Side-by-side · Q2 2026 data
Urw Community Federal Credit Union vs Beach Municipal Federal Credit Union
Credit union
Urw Community Federal Credit Union
Danville, Virginia · $100 million – $1 billion
Credit union
Beach Municipal Federal Credit Union
Virginia Beach, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Urw Community Federal Credit Union | Beach Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 87 (stronger) |
| Capital cushion | 97 (stronger) | 91 |
| Loan quality | 51 | 74 (stronger) |
| Earnings | 48 | 84 (stronger) |
| Funding & liquidity | 65 | 100 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 48th | 91st |
| Total assets | $224.0M | $194.7M |
| Deposits / shares | $188.5M | $167.6M |
| Capital ratio | 14.65% (stronger) | 14.13% |
| Problem loans | 1.47% | 0.78% (stronger) |
| Net charge-offs | 1.28% | 0.15% (stronger) |
| Return on assets | 0.71% | 1.60% (stronger) |
| Loans ÷ deposits | 95.3% | 56.3% (stronger) |
| Uninsured deposits | 6.9% (stronger) | 10.7% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
Beach Municipal Federal Credit Union has the higher TellerScore (87 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Urw Community Federal Credit Union leads on 2 and Beach Municipal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.