Side-by-side · Q2 2026 data
Democracy Federal Credit Union vs Urw Community Federal Credit Union
Credit union
Democracy Federal Credit Union
Alexandria, Virginia · $100 million – $1 billion
Credit union
Urw Community Federal Credit Union
Danville, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Democracy Federal Credit Union | Urw Community Federal Credit Union |
|---|---|---|
| TellerScore | 42 | 69 (stronger) |
| Capital cushion | 16 | 97 (stronger) |
| Loan quality | 63 (stronger) | 51 |
| Earnings | 0 | 48 (stronger) |
| Funding & liquidity | 91 (stronger) | 65 |
| Problem-loan coverage | 78 | 82 (stronger) |
| Peer percentile | 2nd | 48th |
| Total assets | $188.2M | $224.0M |
| Deposits / shares | $172.3M | $188.5M |
| Capital ratio | 6.59% | 14.65% (stronger) |
| Problem loans | 1.11% (stronger) | 1.47% |
| Net charge-offs | 1.11% (stronger) | 1.28% |
| Return on assets | -0.59% | 0.71% (stronger) |
| Loans ÷ deposits | 68.8% (stronger) | 95.3% |
| Uninsured deposits | 10.0% | 6.9% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.0% | — |
Urw Community Federal Credit Union has the higher TellerScore (69 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Democracy Federal Credit Union leads on 3 and Urw Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.