Front Royal vs Celco Community
Comparing a Credit Union in Front Royal, VA with a Credit Union in Narrows, VA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Front Royal ↗ Credit Union · Front Royal, VA · Est. 1949 | Celco Community ↗ Credit Union · Narrows, VA · Est. 1956 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Front Royal, VA | Narrows, VA |
| Total assets | $86.5M | $145.8M |
| Net worth ratio | 16.6% | 20.2% |
| Return on assets | 1.8% | 1.2% |
| Shares & deposits | — | — |
| Members | 5,412 | 7,377 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 95 | #5 of 95 |
| Established | 1949 | 1956 |
Front Royal
- Assets: $86.5M
- Members: 5,412
- Capital ratio: 16.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 95
Celco Community
- Assets: $145.8M
- Members: 7,377
- Capital ratio: 20.2%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 95
Are both institutions federally insured?
Yes. Front Royal is NCUA-insured and Celco Community is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Front Royal or Celco Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Front Royal scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Front Royal safe?
Yes — Front Royal is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Celco Community safe?
Yes — Celco Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Front Royal vs Celco Community?
Front Royal has a net worth ratio of 16.6%, placing it in the top 35% of <$100M peers. Celco Community's ratio is 20.2%, placing it in the top 3% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Front Royal have compared to Celco Community?
The CFPB database shows 0 complaints against Front Royal, and 0 complaints against Celco Community. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Front Royal with other Credit Unions in Virginia
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
