BlastPoint's Credit Union Scorecard

FRONT ROYAL

Charter #6084 · VA

<100M

2508 CUs in <100M nationally 48 in VA

FRONT ROYAL has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.67% above tier average
+ Net Interest Margin 0.09% above tier average
+ Total Assets: Top 4.8% in tier
+ Total Deposits: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	5,412 -2.4% YoY-0.5% QoQ	+2.7K	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Top 11.3% in tier
Assets	$86.5M +3.5% YoY+2.6% QoQ	+$56.4M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Top 4.9% in tier
Loans	$21.0M +1.4% YoY-2.4% QoQ	+$5.7M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	72%
Deposits	$71.9M +2.1% YoY+2.7% QoQ	+$46.1M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Top 5.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% +4.2% YoY+2.4% QoQ	+1.7%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Top 8.9% in tier
NIM	4.1% +1.3% YoY+0.8% QoQ	+0.1%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	63.1% +3.0% YoY+0.5% QoQ	-27.5%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.1% -54.4% YoY-38.6% QoQ	-1.4	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	24%
Loan To Share	29.2% -0.7% YoY-4.9% QoQ	-29.3%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	Bottom 10.8% in tier
AMR	$17,162 +4.5% YoY+2.0% QoQ	+$2K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	66%
CD Concentration	0.1% -1.2% YoY-2.4% QoQ	-24.1%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

122

Total Assets

balance_sheet

Value: $86.55M

Peer Median: $21.86M

#122 of 2508 Top 4.8% in <100M tier

149

Total Deposits

balance_sheet

Value: $71.90M

Peer Median: $18.77M

#149 of 2508 Top 5.9% in <100M tier

224

Return on Assets (ROA)

profitability

Value: 1.81%

Peer Median: 0.61%

#224 of 2508 Top 8.9% in <100M tier

284

Total Members

engagement

Value: 5,412

Peer Median: 1,918

#284 of 2508 Top 11.3% in <100M tier

385

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#385 of 2508 Top 15.3% in <100M tier

397

Efficiency Ratio

profitability

Value: 63.11%

Peer Median: 81.45%

#397 of 2508 Top 15.8% in <100M tier

560

Fee Income Per Member

profitability

Value: $116.39

Peer Median: $60.42

#560 of 2508 Top 22.3% in <100M tier

567

Share Certificate Concentration (%)

balance_sheet

Value: 0.14%

Peer Median: 12.45%

#567 of 2508 Top 22.6% in <100M tier

610

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.65%

#610 of 2508 Top 24.3% in <100M tier

Top Weaknesses (2 metrics)

2235

Loan-to-Share Ratio

balance_sheet

Value: 29.18%

Peer Median: 58.72%

#2235 of 2508 Bottom 10.9% in <100M tier

2234

First Mortgage Concentration (%)

balance_sheet

Value: 44.09%

Peer Median: 3.66%

#2234 of 2508 Bottom 11.0% in <100M tier