Front Royal Federal Credit Union Front Royal, Virginia
Front Royal Federal Credit Union is a federal credit union headquartered in Front Royal, VA, established in 1949 (NCUA charter 6084), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,400 members and total assets of $87.4M (up 5.2% from Q2 2025), the 49th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 16.91% at Q2 2026, in the well capitalized band.
Also written as Front Royal FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 6084
- Headquarters
- Front Royal, VA
- Established
- 1949
- Total assets, Q2 2026
- $87.4M
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 5,400
- Net worth ratio, Q2 2026
- 16.91%
- Latest call report
- Q2 2026, NCUA 5300 · Front Royal Federal Credit Union call report
- Asset rank in state
- 49th of 94 in Virginia
- Routing number
- 251480631
- Branches
- 3
It has 98 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.90 percentage points from 16.01% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.1M of $21.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.14% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.91% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Virginia
Frequently asked about Front Royal Federal Credit Union
How big is Front Royal Federal Credit Union?
At Q2 2026 it reported total assets of $87.4M and 5,400 members.
Where is Front Royal Federal Credit Union headquartered?
It is headquartered in Front Royal, VA, United States.
When was Front Royal Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Front Royal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 6084): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Front Royal Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Front Royal Federal Credit Union well capitalized?
Its net worth ratio was 16.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Front Royal Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.14% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Front Royal Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 29.05% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Front Royal, VA 22630
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 6084
- RSSD ID
- 172886
- Members
- 5,400
- Potential members
- 42,996
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.91% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.78% | 0.72% | 87th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.50% | 4.74% | 82nd top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.06% | 3.93% | 55th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 61.81% | 79.83% | 84th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.03% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.14% | 0.86% | 89th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.09% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 29.05% | 58.92% | 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$87.4M total assets against $83.1M; $72.4M total shares and deposits against $69.5M; $21.0M total loans against $21.5M.
$14.8M net worth against $13.3M.
16.91% net worth ratio against 16.01%.
29.05% loan-to-share ratio against 30.91%.
0.14% delinquency ratio against 0.23%.
1.78% return on assets against 2.02%; 10.50% return on equity against 12.60%.
4.06% net interest margin against 4.25%.
5,400 members against 5,498.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.91% | 1.78% | 0.14% | 29.05% |
| March 31, 2026 | 16.63% | 1.81% | 0.13% | 29.18% |
| December 31, 2025 | 16.59% | 1.52% | 0.21% | 30.70% |
| September 30, 2025 | 16.45% | 1.86% | 0.25% | 31.87% |
| June 30, 2025 | 16.01% | 2.02% | 0.23% | 30.91% |
| March 31, 2025 | 15.41% | 1.71% | 0.29% | 29.38% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.