Federal credit union · DANVILLE, Virginia · NCUA charter #19867
Urw Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $221.2M
- Total assets
- 35,428
- Members
- 14.3%
- Net-worth ratio
Urw Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $221.2M; members 35,428; net-worth ratio 14.35%; health rank #2,407 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,407 of 4,374 health · 2025Q4Urw Community · health 82/100 · $221.2M · 2025Q4
- ROA 82/100
- ASSETS 14.3%
- MEM 1.77%
- RANK 1.10%
- PHOTO $221.2M
- BOOK 35,428
- CHARTER #2,407/4,374
- NCUSIF The People's
- CAMELS 19867
Call Report peers
Urw Community in the assets neighbourhood
Urw Community's $221.2M assets sit next to The People's ($221.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Urw Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Urw Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19867: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Urw Community diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +21.60 pp (93.80% vs 72.20%).
- Delinquency Rate trails the peer set - 1.77% here, 0.89% peer average (+0.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Urw Community
- In Virginia, health place is #42 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 95 inside Virginia ($221.2M reported).
- Member book place in Virginia: #20 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Urw Community
Urw Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $221.2M (2025Q4) to $225.8M (2026Q1).
- Net-worth ratio shifted -0.13 pp (14.48% → 14.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 13.1 pts
Urw Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.35% | +2.24 pp |
| Delinquency Rate | 1.77% | +0.87 pp |
| Return on Assets | 1.10% | +0.48 pp |
| Member Growth | 0.62% | - |
| Loan-to-Share Ratio | 93.80% | +21.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Urw Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $225.8M | - |
| 2025Q4 | $221.2M | 35,428 |
| 2024Q4 | $225.0M | 35,210 |
| 2023Q4 | $226.7M | 34,713 |
Credit Union Details
- Charter Number
- 19867
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- DANVILLE
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for Urw Community, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| Lowes Drive Office (Main Office) | Danville, VA |
| Chatham Branch | Chatham, VA |
| Arnett Branch | Danville, VA |
| DRMC Branch | Danville, VA |
| Martinsville Branch | Martinsville, VA |
| South Boston Branch | South Boston, VA |
| Yanceyville Branch | Yanceyville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Urw Community nationwide neighbourhoods
Two NCUA Call Report peer sets for Urw Community, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($221.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Urw Community ranks #2,407 of 4,374 nationally on financial health and #42 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Virginia is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Virginia
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Urw Community financially healthy?
Urw Community has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,407 of 4,374; by total assets it ranks #1,210 of 4,374 nationally (same basis as /rankings/largest); and #35 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.35% and delinquency rate of 1.77%.
How does Urw Community compare to other credit unions?
On PlainCU's health composite, Urw Community lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Urw Community?
Urw Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Urw Community directly for the exact boundaries and application steps.
Is my money safe at Urw Community?
Federal credit unions like Urw Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Urw Community's net worth ratio of 14.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Urw Community offer compared to banks?
Credit unions like Urw Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Urw Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.