Compared with Virginia
11 of 21
compared fees are above the median.
6 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
61st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 21 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Front Royal Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Front Royal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.8% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (61st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $96K in Q2 2026, 4.3% above the same quarter a year earlier ($92K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 21 compared published fees sit above the Virginia median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.0% from Q3 2025 to Q2 2026, to $96K. Its share of revenue, 8.8%, is above the 7.2% median for credit unions with under $300M in assets.
$96K
Front Royal Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Front Royal Federal Credit Union · $87M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Front Royal Federal Credit Union(this institution) | Front Royal, VA | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union For Robertson County | Springfield, TN | $85M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dc Federal Credit Union | Washington, DC | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Domino Federal Credit Union | Texarkana, TX | $87M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Indianapolis, IN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Education Federal Credit Union | Cheyenne, WY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| My Pensacola Federal Credit Union | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Co-Op Employees Federal Credit Union | Humboldt, IA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Service #3 Federal Credit Union | Fort Wayne, IN | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pwc Employees Federal Credit Union | Woodbridge, VA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radius Federal Credit Union | Kenmore, NY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ravalli County Federal Credit Union | Hamilton, MT | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Riverbank Federal Credit Union | Windsor Locks, CT | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smw Financial Federal Credit Union | Lino Lakes, MN | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Snocope Federal Credit Union | Everett, WA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southland Federal Credit Union | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Research Center Federal Credit Union | San Antonio, TX | $88M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Spokane Firefighters Federal Credit Union | Spokane, WA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Susquehanna Valley Federal Credit Union | Camp Hill, PA | $87M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| T M H Federal Credit Union | Tallahassee, FL | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Credit Union For All | Bloomington, IL | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. S. Employees Federal Credit Union | Tomball, TX | $86M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Building Trades Federal Credit Union | Parsippany, NJ | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Volt Federal Credit Union | Springfield, MO | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wexford Community Federal Credit Union | Cadillac, MI | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026.
Monthly maintenance fee in dollars, one mark per institution
Front Royal Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Front Royal Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $96K | +$7K | +7.9% |
| Q1 2026 | $89K | −$12K | −11.9% |
| Q4 2025 | $101K | $0 | 0.0% |
| Q3 2025 | $101K | +$9K | +9.8% |
| Q2 2025 | $92K | +$6K | +7.0% |
| Q1 2025 | $86K | −$10K | −10.4% |
| Q4 2024 | $96K | $0 | 0.0% |
| Q3 2024 | $96K | −$3K | −3.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Front Royal Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Front Royal Federal Credit Union by share.
Amounts from Front Royal Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
one time
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 6 months | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Incorrect Address/Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ACH Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| One Time Debit Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | one time | None |
| Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Foreign ATM Withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Mastercard Check Card Reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Fee for Mastercard Debit/Credit | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Certified Check (CU Issued) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| EFT Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Nonmember check cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| NSF for ACH Item Return | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item return written by member | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Deposit Item return/loan payment | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Deposit Item return/MasterCard payment | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 3 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Loan Subordination Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Not compared: Charged per page; comparison unavailable | per page | None |
Oct 18, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Front Royal Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Front Royal, VA | 3 |
Largest competitors nearby
Local market: Warren county, VA, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| United Bank | 24.9% |
| Truist Bank | 23.8% |
| Wells Fargo Bank, National Association | 21.1% |
| First Bank | 13.8% |
| Atlantic Union Bank | 9.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.