Side-by-side · Q2 2026 data
Urw Community Federal Credit Union vs Central Virginia Federal Credit Union
Credit union
Urw Community Federal Credit Union
Danville, Virginia · $100 million – $1 billion
Credit union
Central Virginia Federal Credit Union
Lynchburg, Virginia · $100 million – $1 billion
Metric by metric
| Measure | Urw Community Federal Credit Union | Central Virginia Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 97 (stronger) | 77 |
| Loan quality | 51 (stronger) | 47 |
| Earnings | 48 | 75 (stronger) |
| Funding & liquidity | 65 | 92 (stronger) |
| Problem-loan coverage | 82 | 85 (stronger) |
| Peer percentile | 48th | 57th |
| Total assets | $224.0M | $197.8M |
| Deposits / shares | $188.5M | $171.2M |
| Capital ratio | 14.65% (stronger) | 12.70% |
| Problem loans | 1.47% (stronger) | 1.59% |
| Net charge-offs | 1.28% | 0.35% (stronger) |
| Return on assets | 0.71% | 1.38% (stronger) |
| Loans ÷ deposits | 95.3% | 68.5% (stronger) |
| Uninsured deposits | 6.9% | 2.3% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Virginia Federal Credit Union has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Urw Community Federal Credit Union leads on 2 and Central Virginia Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.