# FRONT ROYAL
FRONT ROYAL, VA · NCUA charter 6084 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/front-royal-6084

Who the members are: federal charter, community charter, organized 1949. 5,412 members of 42,461 potential (12.8% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $86.5M |
| Members | 5,412 (-2.4% YoY) |
| Full-time staff | 15 |
| Net worth | $14.4M |
| Net worth ratio | 16.6% (p80 of band) |
| ROA (annualized) | 1.81% (p93 of band) |
| Total delinquency | 0.13% (p15 of band) |
| Net charge-offs (annualized) | -0.03% (p8 of band) |
| Loans / shares | 29% (p5 of band) |
| Cash / assets | 68.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.09% (p73 of band) |
| Operating expense / assets | 3.04% (p32 of band) |
| Vehicles % of loans | 35% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 0% |
| Average share balance | $7,868 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $56,645 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,553 |
| Loans granted, annualized | $5.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $56,645 outstanding purchased (0.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | members leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | members leaving |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 1 | charge-offs p90 | delinquency rising |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 | members leaving | delinquency rising, margin squeeze |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | loan book shrinking |  |
| 2021-12 | 1 |  | members leaving, loan book shrinking |
| 2022-03 | 4 | net worth falling, losing money, members leaving |  |
| 2022-06 | 1 |  | margin squeeze, net worth falling, losing money |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | net worth falling |  |
| 2023-03 | 1 |  | net worth falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | assets shrinking | members leaving |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 | assets shrinking | delinquency rising |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-20 [John Alan Welch - Maddox Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFA2SGtHSURKdGFxV0ZjRURHcGZ1RmRiM3ZUaVZubU5IbGRwMGh4c2dGYlNBSi0yT3Q2dUNJZjFqUkZyOHg2Y2RELUpjLWYyRXdiMm9MVFZNdUxqQQ?oc=5) · Maddox Funeral Home
- 2022-03-31 [FRCU donates to Front Royal Fire Department - The Northern Virginia Daily](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNakV0RTFlQ2RBQXlrZ25NZmJBMGNxeWQza3ktVkVGTjVOcjFRMkliVDJaSndCdXEycS1MNEtiMUN2MXJCb0p6YnFyY1JWaXZjMUpMS1JOSmlyalI5UVJPMkstQkRKbm41azVfZHlJQ2h2V3otVzZDNG9FT1VQdFlhdUJMYURMLUM5d09FTENlQ19YWERjZVRaYV82RzBBaUppcVhNWXFueXFKUlE0SGphLS1DTHJvaVhzcUF4WktMRjhpTFk?oc=5) · The Northern Virginia Daily
- 2024-03-28 [Prudence Mathews Obituary (1938 - 2024) - Front Royal, VA - Northern Virginia Daily - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNYWhOWlh3RjlYM1VWbXlHZWR4cXEwZ3JiX0hCOGNvRHp5dGRnbExhX19jNDFWZ09kaUxJT0R3MVdPN05vS1BTWFVseVRuN05oZjByWkplM2FKZlhCMFpnMU5lRjJWd051XzdvV2dhWG50aHRnTnkxNS10VVVmY2dnVTFxaXJ1S0p5MURfYUhZRUE?oc=5) · legacy.com
- 2018-11-13 [Robbery case goes to grand jury - The Northern Virginia Daily](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNcWcyR1ZKVDBkTzlHMVpOQTFHNVlfSnpWbkMxR0p2MzlIWFl4V1ZWWnoxaWdDWlYyVU91eXhwQkdnWFVoQWx2em5XWlRicWJuVkdyUi00b0dQQm5QUHM5WEViQjNVWjlzUVpkWmRieUJQNUxRSzRXLU1SbWltbEh3cElaUUliZlh3VlZPN3lVYUxWRkxhUk5VeHNCLS04YmtjM0wtZTkzblVTQlJZbmVYM2NsSndBTm1O?oc=5) · The Northern Virginia Daily
- 2021-08-02 [Kermit Nichols Obituary (1926 - 2021) - Front Royal, VA - Northern Virginia Daily - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZEFsMFRNUXREY0pfVFFReGlkLWEwT2djUXQ5Y0FjeWdvQ3pvTnVhQzdWOEt0UktvV3B0SDdwcVQ2ZmNYbURZTW1PT2V4LVphLUJpLUVhMTc5ZGpDczRyQWR2YTFnRm42RGxpTlVCR20zT01lSUt5Zi0xY1VTYUhVNmxWUXNjSDFCYUQ0TnZB?oc=5) · legacy.com
- 2015-08-18 [Travis Aaron Henry - Maddox Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBSSjNJbGhrd3NrMWJaSndlbzJseFFvdFZ1OTRmZWM4akxrcU1GS0prTG40VDRHOHloUHhEMFdNZTF2dzZBdC1CSWw1ZnMtM0NoQ09ybzdiSjRKNlR2dnc?oc=5) · Maddox Funeral Home
- 2018-11-15 [Front Royal man sentenced in gun larceny case - The Northern Virginia Daily](https://news.google.com/rss/articles/CBMiywFBVV95cUxQTHN0bmdicGREa2s5UHNobmR2c2pxc0JsS2tlcGR6TDFxMG0wcUFqNjJzbm5JYTMtb1JibHF0ZlVtNFBTTy1OT1psQU1RaW1LMzhyajlzMjhlX1RVQzBGRDF2VUE4cnNzNTZuOVJXR1AzYzU0ZFhrOXhxN2tjSXFaT2xWbFJ3ZW1pQ3RMaHU2UHMtelNIV3lXSFY2bnRxOFBiY2NJczluZGFvTlpuS2NjVWROTjZWQUdxdEVOaU1BdDE3RXdFdG9DQWZONA?oc=5) · The Northern Virginia Daily
- 2020-11-04 [Betty Kuser Obituary (1947 - 2020) - Front Royal, VA - Northern Virginia Daily - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNWmlZeUpGZlFtV1RvTGJGN2wtVmotQ0VhUTROVE9tX0VYeWtJRzFUYTFOMlhvZzBxTU05bTNHaEplM0hoVUgzMkx4SkJaUU55SHFDSExnSEtIM0sydFdsWHVNZE50UFBGLTg4ckc2d2Nsd084bURvVzJ1eEw1WUFJV3lwM1ZMbWY5MVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6084 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/4.json (key "6084", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6084
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide