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
Call Report peers
Urw Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Urw Community sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Virginia, TOPSIDE (#41) scores 83/100, 1 point higher; one place down, Dominion Energy Credit Union (#43) ties at 82/100.
Quarter path for Urw Community
Urw Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $221.2M (2025Q4) to $225.8M (2026Q1).
- Net-worth ratio shifted -0.13 pp (14.48% → 14.35%).
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
Urw Community gives up 18 points in total. Delinquency Rate costs the most, 10.8 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Urw Community financially healthy?
Urw Community has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,407 of 4,374 nationally on health and #42 of 95 in Virginia. Its net worth ratio is 14.35% and its delinquency rate 1.77%.
How does Urw Community compare to other credit unions?
Urw Community scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (93.80% vs 72.20%). Its widest shortfall is delinquency rate (1.77% vs 0.89%).
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?
Urw Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.