FRONT ROYAL
Charter #6084 · FRONT ROYAL, VA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,412 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 16.63% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.84% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.15% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.04% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FRONT ROYAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.55M | 79th pct | 80th pct |
| Members | 5,412 | 56th pct | 77th pct |
| Net worth ratio | 16.63% | 80th pct | 82th pct |
| Return on average assets | 1.84% | 93th pct | 89th pct |
| Net interest margin | 4.15% | 74th pct | 93th pct |
| Cost of funds | 0.04% | 3th pct | 0th pct |
| Loan-to-share | 29.18% | 5th pct | 18th pct |
| Delinquency 60+ days | 0.13% | 15th pct | 21th pct |
| Net charge-off ratio | -0.03% | 9th pct | 8th pct |
| Loan growth YoY | -4.88% | 19th pct | 31th pct |
| Share growth YoY | 3.89% | 63th pct | 57th pct |
| Efficiency ratio | 63.11% | 15th pct | 28th pct |
structural peer set hash: 9f3b2c8b42819d9c97f6902f4afd4977… (reproducible)
Closest structural peers
This is the free public view
Claim FRONT ROYAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.