TellerScore

Urw Community Federal Credit Union (NCUA charter #19867) is based in Danville, Virginia. Its Q2 2026 call report shows $224.0M in total assets and $188.5M in member shares and deposits and 6 offices across 2 states.

Urw Community Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 48th. Capital cushion contributes the most (97/100, 14.65%); earnings contributes the least (48/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.65%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.47%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity65/100
Loans ÷ shares: 95.3% · 6.9% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the loan quality component improved by 5 points.

TellerScore
647075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202475
Q4 202465
Q1 202567
Q2 202567
Q3 202565
Q4 202564
Q1 202670
Q2 202669
Net worth ratio
7.00%10.85%14.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.61%
Q3 202414.20%
Q4 202414.04%
Q1 202514.04%
Q2 202514.35%
Q3 202514.70%
Q4 202514.48%
Q1 202614.35%
Q2 202614.65%
Delinquent loans (60+ days)
1.20%1.70%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.21%
Q3 20241.20%
Q4 20241.91%
Q1 20251.43%
Q2 20251.62%
Q3 20251.94%
Q4 20251.77%
Q1 20261.29%
Q2 20261.47%
Return on assets
0.46%0.92%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.36%
Q3 20241.37%
Q4 20241.08%
Q1 20250.66%
Q2 20250.70%
Q3 20250.73%
Q4 20250.46%
Q1 20260.67%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$224.0M14.65%1.47%0.71%95.3%
Q1 202670$225.8M14.35%1.29%0.67%92.2%
Q4 202564$221.2M14.48%1.77%0.46%93.8%
Q3 202565$223.2M14.70%1.94%0.73%93.1%
Q2 202567$225.7M14.35%1.62%0.70%94.1%
Q1 202567$227.7M14.04%1.43%0.66%92.9%
Q4 202465$225.0M14.04%1.91%1.08%96.9%
Q3 202475$226.1M14.20%1.20%1.37%97.4%
Q2 202464$230.4M13.61%2.21%1.36%97.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.65%
83rd
Problem loans1.47%
14th
Net charge-offs1.28%
5th
Return on assets0.71%
48th
Loans to deposits95.3%
7th
Uninsured deposits6.9%
41st
Loan-loss reserves0.00%
50th
Texas ratio9.2%
16th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Central Virginia Federal Credit UnionCredit union Lynchburg, VA72 out of 100, Strong$197.8M12.7%1.59%vs
Beach Municipal Federal Credit UnionCredit union Virginia Beach, VA87 out of 100, Very strong$194.7M14.1%0.78%vs
Democracy Federal Credit UnionCredit union Alexandria, VA42 out of 100, Below average$188.2M6.6%1.11%vs
Infirst Federal Credit UnionCredit union Alexandria, VA61 out of 100, Moderate$186.0M10.0%0.49%vs
Blue Eagle Credit UnionCredit union Roanoke, VA84 out of 100, Strong$280.8M12.9%0.11%vs
Bronco Federal Credit UnionCredit union Franklin, VA61 out of 100, Moderate$292.4M11.0%1.37%vs

Deposit insurance

Is my money safe at Urw Community Federal Credit Union?

Yes. Urw Community Federal Credit Union is a federally insured credit union (NCUA charter #19867). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($12.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Urw Community Federal Credit Union lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Urw Community Federal Credit Union
Type
Federal credit union
NCUA charter #
19867
RSSD ID
629287
Primary regulator
NCUA
Established
1970
Headquarters
314 Lowes Dr, Danville, VA 24540
Employees
56

Quick answers

Urw Community Federal Credit Union: common questions

Is Urw Community Federal Credit Union NCUA insured?

Yes. Urw Community Federal Credit Union is a federally insured credit union (NCUA charter #19867). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Urw Community Federal Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Urw Community Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Danville

InstitutionScoreAssetsCapitalProblem loansCompare
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs
Beacon Credit Union, IncorporatedCredit union Lynchburg, VA74 out of 100, Strong$391.6M11.6%0.24%vs
Movement BankBank Danville, VA74 out of 100, Strong$165.5M11.1%0.07%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs
First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs