BlastPoint's Credit Union Scorecard
FRONT ROYAL
Charter #6084 · VA
FRONT ROYAL demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Net Interest Margin 0.26% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 6.2% in tier
- + Total Deposits: Top 7.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,497
-1.5% YoY-0.0% QoQ
|
+2.9K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 11.4% in tier |
| Assets |
$83.2M
+2.7% YoY+0.1% QoQ
|
+$53.3M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 6.2% in tier |
| Loans |
$22.1M
+5.8% YoY+2.7% QoQ
|
+$6.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$69.2M
+1.2% YoY-0.4% QoQ
|
+$43.8M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 7.1% in tier |
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| ROA |
1.9%
+15.8% YoY+0.1% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Top 11.6% in tier |
| NIM |
4.2%
+16.1% YoY+1.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
61.2%
+1.1% YoY+1.6% QoQ
|
-20.2% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.2%
+239.2% YoY+9.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
31.9%
+4.5% YoY+3.1% QoQ
|
-29.4% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.6% in tier |
| AMR |
$16,603
+3.8% YoY+0.4% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
0.1%
-25.0% YoY+0.6% QoQ
|
-24.3% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)