Sep, 30, 2025 — FRONT ROYAL FEDERAL CREDIT UNION is a federal credit union headquartered in FRONT ROYAL, VA with 1 branch location and about $83.18 million in total assets. Opened 77 years ago in 1949, FRONT ROYAL FEDERAL CREDIT UNION has about 5,497 members and employs 15 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FRONT ROYAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 230 N Royal Ave FRONT ROYAL, VA 22630-2616 |
| Phone: | (540) 635-7133 |
| Fax: | (540) 635-6036 |
| Website: | https://www.frontroyalfcu.org |
| Branches: | 1 branch locations |
| Members: | 5,497 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6084 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $83,179,253 |
| CEO/Manager: | Kim K Darr |
| Chairperson: | Michael E Utley |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,833,191 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,951,829 |
| Unsecured Loans | 1,134,152 |
| Other Loans | 8,970,882 |
| TOTAL LOANS | 22,056,863 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -131,273 |
| Land And Building | 885,032 |
| Other Fixed Assets | 304,333 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 657,072 |
| All Other Assets | 0 |
| TOTAL ASSETS | 83,179,253 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 6,081 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 281,520 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 20,193,049 |
| Regular shares | 46,009,844 |
| All Other Shares & Deposits | 3,006,648 |
| TOTAL SHARES & DEPOSITS | 69,209,540 |
| TOTAL LIABILITIES | 69,497,141 |
| Regular Reserve | 0 |
| Other Reserves | 316,400 |
| Undivided Earnings | 13,365,712 |
| TOTAL EQUITY | 13,682,112 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 83,179,253 |
| INCOME & EXPENSE | |
| Loan Income | 807,846 |
| Investment Income | 1,824,638 |
| Other Income | 279,193 |
| Total Employee Compensation & Benefits | 864,631 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,034,606 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 38,478 |
| Cost of Funds | 19,361 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,163,538 |
| ↑ Back to Top | |