URW COMMUNITY

Charter #19867 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

URW COMMUNITY has 5 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.4% in tier
  • + Net Interest Margin 2.63% above tier average
  • + Members Per Employee (MPE): Top 1.7% in tier
  • + Total Members: Top 3.3% in tier
  • + First Mortgage Concentration (%): Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.0% in tier
  • - Shrinking Wallet Share: Bottom 6.4% in tier
  • - Deposit Outflow: Bottom 9.9% in tier
  • - Indirect Auto Dependency: Bottom 21.0% in tier
  • - Cost Spiral: Bottom 21.0% in tier
  • - Liquidity Overhang: Bottom 25.1% in tier
  • - Liquidity Strain: Bottom 30.2% in tier
  • - ROA 0.06% below tier average
  • - Efficiency ratio 1.90% above tier (higher cost structure)
  • - Delinquency rate 1.08% above tier average
  • - Average Member Relationship (AMR): Bottom 0.5% in tier
  • - Net Charge-Off Rate: Bottom 4.5% in tier
  • - AMR Growth Rate: Bottom 4.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
  • - Loan Growth Rate: Bottom 8.3% in tier
  • - Deposit Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 35,805
+0.4% YoY-0.1% QoQ
 +20.2K 15,628
-3.4% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Top 3.4% in tier
Assets $223.2M
-1.3% YoY-1.1% QoQ
 $-8.1M $231.3M
-0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 57th in tier
Loans $175.8M
-6.7% YoY-2.6% QoQ
 +$28.0M $147.8M
-1.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 69th in tier
Deposits $188.8M
-2.3% YoY-1.5% QoQ
 $-11.5M $200.3M
-0.0% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 56th in tier
ROA 0.7%
-46.3% YoY+4.2% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 48th in tier
NIM 6.2%
+1.2% YoY+1.8% QoQ
 +2.6% 3.6%
+6.9% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Top 0.3% in tier
Efficiency Ratio 79.2%
+8.8% YoY-0.8% QoQ
 +1.9% 77.3%
-3.0% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 1.9%
+61.8% YoY+19.7% QoQ
 +1.1 0.9%
+7.6% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 7.7% in tier
Loan To Share 93.1%
-4.4% YoY-1.1% QoQ
 +20.4% 72.7%
-1.5% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Top 10.3% in tier
AMR $10,182
-4.8% YoY-2.0% QoQ
 $-14K $24,363
+2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 0.4% in tier
CD Concentration 33.0%
-9.2% YoY-0.0% QoQ
 +8.6% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 37.4%
-0.0% YoY-0.8% QoQ
 +23.4% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#345 of 627 • Top 18.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.73%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.35%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#76 of 736 • Bottom 3.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.74% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#65 of 244 • Bottom 6.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.80%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline
#59 of 114 • Bottom 9.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.33%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $223.24M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#338 of 525 • Bottom 21.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.27%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 37.40%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.35%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Cost Spiral

risk
#52 of 62 • Bottom 21.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.38% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $223.24M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#389 of 552 • Bottom 25.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.70%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 93.11%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Liquidity Strain

risk
#235 of 258 • Bottom 30.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.11%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -6.67%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

3
Net Interest Margin (NIM)
profitability
Value: 6.21%
Peer Avg: 3.58%
#3 of 1077 Top 0.2% in 100M-500M tier
19
Members Per Employee (MPE)
engagement
Value: 639.375
Peer Avg: 332.881
#19 of 1077 Top 1.7% in 100M-500M tier
37
Total Members
engagement
Value: 35,805
Peer Avg: 15,628
#37 of 1077 Top 3.3% in 100M-500M tier
55
First Mortgage Concentration (%)
balance_sheet
Value: 4.08%
Peer Avg: 30.43%
#55 of 1077 Top 5.0% in 100M-500M tier
111
Loan-to-Share Ratio
balance_sheet
Value: 93.11%
Peer Avg: 72.70%
#111 of 1077 Top 10.2% in 100M-500M tier
179
Net Worth Ratio
risk
Value: 14.70%
Peer Avg: 12.15%
#179 of 1077 Top 16.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1073
Average Member Relationship (AMR)
engagement
Value: $10,182
Peer Avg: $24,363
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1030
Net Charge-Off Rate
risk
Value: 1.41%
Peer Avg: 0.47%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1027
AMR Growth Rate
growth
Value: -4.80%
Peer Avg: 3.64%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1019
Loan-to-Member Ratio (LMR)
engagement
Value: $4,909
Peer Avg: $10,245
#1019 of 1077 Bottom 5.5% in 100M-500M tier
995
Total Delinquency Rate (60+ days)
risk
Value: 1.94%
Peer Avg: 0.86%
#995 of 1077 Bottom 7.7% in 100M-500M tier
989
Loan Growth Rate
growth
Value: -6.67%
Peer Avg: 3.45%
#989 of 1077 Bottom 8.3% in 100M-500M tier
989
Deposit Growth Rate
growth
Value: -2.33%
Peer Avg: 4.69%
#989 of 1077 Bottom 8.3% in 100M-500M tier
967
Indirect Auto Concentration (%)
balance_sheet
Value: 37.40%
Peer Avg: 13.34%
#967 of 1077 Bottom 10.3% in 100M-500M tier
937
Asset Growth Rate
growth
Value: -1.27%
Peer Avg: 4.70%
#937 of 1077 Bottom 13.1% in 100M-500M tier
865
Share Certificate Concentration (%)
balance_sheet
Value: 32.97%
Peer Avg: 23.61%
#865 of 1077 Bottom 19.8% in 100M-500M tier