BlastPoint's Credit Union Scorecard

URW COMMUNITY

Charter #19867 · VA

1077 CUs in 100M-500M nationally 25 in VA

URW COMMUNITY has 4 strengths but faces 16 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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
- Indirect Auto Dependency: Bottom 21.0% in tier
- Cost Spiral: Bottom 21.0% in tier
- Liquidity Strain: Bottom 30.2% in tier
- Deposit Outflow: Bottom 56.2% 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	57%
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	69%
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	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	48%
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	57%
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	50%
Indirect Auto %	37.4% -0.0% YoY-0.8% QoQ	+23.4%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

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

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: 13.97%, 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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 60.60%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Deposit Outflow

decline

#46 of 81 • Bottom 56.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money 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

Member Growth (YoY): 0.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 6.21%

Peer Avg: -

#3 of 1077 Top 0.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 639.375

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Total Members

engagement

Value: 35,805

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.08%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

111

Loan-to-Share Ratio

balance_sheet

Value: 93.11%

Peer Avg: -

#111 of 1077 Top 10.2% in 100M-500M tier

179

Net Worth Ratio

risk

Value: 14.70%

Peer Avg: -

#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: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1030

Net Charge-Off Rate

risk

Value: 1.41%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1027

AMR Growth Rate

growth

Value: -4.80%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

1019

Loan-to-Member Ratio (LMR)

engagement

Value: $4,909

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

995

Total Delinquency Rate (60+ days)

risk

Value: 1.94%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

989

Loan Growth Rate

growth

Value: -6.67%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

989

Deposit Growth Rate

growth

Value: -2.33%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

967

Indirect Auto Concentration (%)

balance_sheet

Value: 37.40%

Peer Avg: -

#967 of 1077 Bottom 10.3% in 100M-500M tier

937

Asset Growth Rate

growth

Value: -1.27%

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier

865

Share Certificate Concentration (%)

balance_sheet

Value: 32.97%

Peer Avg: -

#865 of 1077 Bottom 19.8% in 100M-500M tier