FRONT ROYAL Credit Union Profile

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FRONT ROYAL

Charter #6084 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (540) 635-7133

Fax: (540) 635-6036

Founding Date: N/A

Website: HTTP://WWW.FRONTROYALFCU.ORG

Personnel & Operations

President: Utley, Michael

Manager: Darr, Kim

FT Employees: 16

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: 8-5

Credit Union Profile Summary

FRONT ROYAL is a FCU Credit Union. With a total of 5,498 members [1], this institution manages approximately $83,077,456 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 16.01% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.28% [1].

Financial Snapshot

Total Assets [1]
$83,077,456

Total economic resources.

Total Loans [1]
$21,469,762

Total value of outstanding loans.

Total Deposits [1]
$69,468,694

Total funds deposited by members.

Members [1]
5,498

Number of active members.

Performance Ratios

Net Worth Ratio [1]
16.01%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
30.91%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.13%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.58%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

230 N ROYAL AVE

FRONT ROYAL, VA, 22630-2616
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by FRONT ROYAL (Charter #6084).

Main Office

Front Royal FCU Main Office

Type: Corporate Office

230 N Royal Ave

Front Royal, VA 22630-2616

Phone: (540) 635-7133

Services: None specified

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Additional Branches

Front Royal

Front Royal FCU

Type: Corporate Office

230 N Royal Ave

Front Royal, VA 22630-2616

Phone: (540) 635-7133

Services: None specified

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Front Royal FCU

Type: Branch Office

113 South St

Front Royal, VA 22630-2221

Services: None specified

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