Urw Community
Danville, VA · Charter 19867 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$224.0MAssets
$179.6MLoans
$188.6MShares
$32.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 40 of 1683).
- Widest gap: nonperforming loans / loans trails 78% of credit unions under $1B in assets (rank 1313 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.71%
Rank 871 of 1,683
Net Interest Margin
6.02%
Rank 40 of 1,683
Efficiency Ratio
83.07%
Rank 1,094 of 1,682
Equity / Assets
14.65%
Rank 588 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 871 / 1,683 | | |
| Return on Equity | 4.83% | 2.67% | 5.89% | 8.74% | Beats 42% | 972 / 1,681 | | |
| Net Interest Margin | 6.02% | 3.31% | 3.82% | 4.32% | Beats 98% | 40 / 1,683 | | |
| Efficiency Ratio | 83.07% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,094 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,313 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 10.44% | 12.89% | 16.53% | Beats 65% | 588 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.65% | 10.44% | 12.89% | 16.53% | Beats 65% | 588 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.26% | 52.61% | 69.38% | 83.50% | 93rd pctl | 111 / 1,683 | | |
| Loans / Assets | 80.17% | 44.71% | 59.18% | 70.72% | 92nd pctl | 133 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |