Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
230 N Royal Ave
Front Royal, VA 22630-2616

Front Royal Credit Union is headquartered in Front Royal and is the 65th largest credit union in the state of Virginia. It is also the 2,214st largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 14 employees and 7,148 members. Front Royal Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Warren County. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Front Royal Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Front Royal Credit Union had $294,000 in non-current loans and owned real-estate with $7.23 million in equity and loan loss allowances on hand to cover it. This gives Front Royal Credit Union a Texas Ratio of 4.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Front Royal Credit Union experienced no significant changes from 2.07% as of March 31, 2013 to 4.07% as of March 31, 2014, resulting in a negative change of 96.14%. This indicates that the balance sheet and financial strength for Front Royal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Front Royal Credit Union has increased its total deposits by $3.72 million, resulting in 8.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Front Royal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Front Royal Credit Union has $53.83 million in assets with $7.23 million in equity, resulting in a capitalization level of 13.43%, which is excellent.

Institution Statistics

NCUA #6084
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$53.83 million
Loans$12.74 million
Deposits$46.61 million
Equity Capital$7.03 million
Loan Loss Allowance$194,000
Unbacked Noncurrent Loans$294,000
Real Estate Owned$0
Historic Data - March 2013
Assets$50.31 million
Equity Capital$7.07 million
Loan Loss Allowance$161,000
Unbacked Noncurrent Loans$294,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.32%
Return on Equity2.45%
Interest Income$266,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Front Royal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Front Royal Credit Union Savings Account Rates

0.05%$50-Share Account
0.05%$50-Custodial Account
0.05%--Vacation Club Account
0.05%--Christmas Club Account
0.05%--IRA Account

Front Royal Credit Union Checking Account Rates

0.00%--Share Draft

Front Royal Credit Union CD Rates

0.85%$500-5 Year Share Certificate
0.80%$500-4 Year Share Certificate
0.45%$500-3 Year Share Certificate
0.35%$500-1 Year Share Certificate
0.35%$500-2 Year Share Certificate

Front Royal Credit Union IRA Rates

0.85%$500-5 Year IRA Certificate
0.80%$500-4 Year IRA Certificate
0.45%$500-3 Year IRA Certificate
0.35%$500-1 Year IRA Certificate
0.35%$500-2 Year IRA Certificate

Front Royal Credit Union Locations
Branch Office230 N Royal AveFront Royal, VA 22630-2616
Branch Office113 South StFront Royal, VA 22630-2221
Branch Office230 N Royal AveFront Royal, VA 22630-2616