BlastPoint's Credit Union Scorecard
URW COMMUNITY
Charter #19867 · VA
1069 CUs in 100M-500M nationally
25 in VA
URW COMMUNITY has 6 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 99.7% in tier
- + Net Interest Margin 2.67% above tier average
- + Members Per Employee (MPE): Top 1.8% in tier
- + Total Members: Top 3.7% in tier
- + First Mortgage Concentration (%): Top 4.8% in tier
- + Loan-to-Share Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 27.5% in tier
- - Deposit Outflow: Bottom 45.6% in tier
- - Indirect Auto Dependency: Bottom 69.5% in tier
- - Efficiency Drag: Bottom 85.1% in tier
- - Liquidity Strain: Bottom 85.9% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 3.53% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
- - Average Member Relationship (AMR): Bottom 0.5% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,428
+0.6% YoY-1.1% QoQ
|
+20.0K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 3.8% in tier |
| Assets |
$221.2M
-1.7% YoY-0.9% QoQ
|
$-10.7M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$175.4M
-5.7% YoY-0.2% QoQ
|
+$28.1M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$187.0M
-2.6% YoY-1.0% QoQ
|
$-13.8M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.5%
-57.2% YoY-36.6% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
6.3%
+1.2% YoY+1.0% QoQ
|
+2.7% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 0.2% in tier |
| Efficiency Ratio |
80.5%
+6.4% YoY+1.7% QoQ
|
+3.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.8%
-7.3% YoY-9.0% QoQ
|
+0.9 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 9.8% in tier |
| Loan To Share |
93.8%
-3.2% YoY+0.7% QoQ
|
+21.6% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$10,229
-4.7% YoY+0.5% QoQ
|
$-14K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.4% in tier |
| CD Concentration |
32.9%
-10.4% YoY-0.2% QoQ
|
+8.5% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
36.9%
-0.1% YoY-1.3% QoQ
|
+23.1% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growth
#593 of 595 • Top 99.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.62%
(Tier:
0.69%, National:
4.32%)
Return on Assets:
0.46%
(Tier:
0.75%, National:
0.67%)
Indirect Auto %:
36.91%
(Tier:
13.79%, National:
7.78%)
595 of 1069 Mid-Small & Community CUs have this signature |
913 nationally
→ No prior data (595 CUs now)
|
New qualifier
Concerns (5)
Shrinking Wallet Share
decline
#58 of 208 • Bottom 27.5% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.75%
(Tier:
4.17%, National:
4.00%)
208 of 1069 Mid-Small & Community CUs have this signature |
303 nationally
↓ Shrinking
-190 CUs YoY
|
Rank improving
Deposit Outflow
decline
#32 of 69 • Bottom 45.6% 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):
-2.62%
(Tier:
5.05%, National:
13.79%)
Member Growth (YoY):
0.62%
(Tier:
0.69%, National:
4.32%)
69 of 1069 Mid-Small & Community CUs have this signature |
91 nationally
→ No prior data (69 CUs now)
|
New qualifier
Indirect Auto Dependency
risk
#352 of 506 • Bottom 69.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-1.71%
(Tier:
5.37%, National:
3.54%)
Indirect Auto %:
36.91%
(Tier:
13.79%, National:
7.78%)
Member Growth (YoY):
0.62%
(Tier:
0.69%, National:
4.32%)
506 of 1069 Mid-Small & Community CUs have this signature |
745 nationally
↓ Shrinking
-35 CUs YoY
|
Rank worsening
Efficiency Drag
risk
#458 of 538 • Bottom 85.1% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.54%
(Tier:
76.88%, National:
79.67%)
ROA Change (YoY):
-0.62% points
(Tier:
0.11% points, National:
0.02% points)
Member Growth (YoY):
0.62%
(Tier:
0.69%, National:
4.32%)
538 of 1069 Mid-Small & Community CUs have this signature |
633 nationally
↓ Shrinking
-98 CUs YoY
|
New qualifier
Liquidity Strain
risk
#196 of 228 • Bottom 85.9% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
93.80%
(Tier:
74.08%, National:
67.44%)
Loan Growth (YoY):
-5.75%
(Tier:
4.11%, National:
111.96%)
228 of 1069 Mid-Small & Community CUs have this signature |
439 nationally
↓ Shrinking
-37 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)
Top Strengths (6 metrics)
2
Net Interest Margin (NIM)
profitability
Value:
6.27%
Peer Median: -
#2 of 1069
Top 0.1% in 100M-500M tier
20
Members Per Employee (MPE)
engagement
Value:
632.643
Peer Median: -
#20 of 1069
Top 1.8% in 100M-500M tier
41
Total Members
engagement
Value:
35,428
Peer Median: -
#41 of 1069
Top 3.7% in 100M-500M tier
52
First Mortgage Concentration (%)
balance_sheet
Value:
4.21%
Peer Median: -
#52 of 1069
Top 4.8% in 100M-500M tier
87
Loan-to-Share Ratio
balance_sheet
Value:
93.80%
Peer Median: -
#87 of 1069
Top 8.0% in 100M-500M tier
192
Net Worth Ratio
risk
Value:
14.48%
Peer Median: -
#192 of 1069
Top 17.9% in 100M-500M tier
Top Weaknesses (10 metrics)
1065
Average Member Relationship (AMR)
engagement
Value:
$10,229
Peer Median: -
#1065 of 1069
Bottom 0.5% in 100M-500M tier
1022
AMR Growth Rate
growth
Value:
-4.75%
Peer Median: -
#1022 of 1069
Bottom 4.5% in 100M-500M tier
1014
Net Charge-Off Rate
risk
Value:
1.46%
Peer Median: -
#1014 of 1069
Bottom 5.2% in 100M-500M tier
1011
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,951
Peer Median: -
#1011 of 1069
Bottom 5.5% in 100M-500M tier
994
Deposit Growth Rate
growth
Value:
-2.62%
Peer Median: -
#994 of 1069
Bottom 7.1% in 100M-500M tier
971
Asset Growth Rate
growth
Value:
-1.71%
Peer Median: -
#971 of 1069
Bottom 9.3% in 100M-500M tier
970
Loan Growth Rate
growth
Value:
-5.75%
Peer Median: -
#970 of 1069
Bottom 9.4% in 100M-500M tier
965
Total Delinquency Rate (60+ days)
risk
Value:
1.77%
Peer Median: -
#965 of 1069
Bottom 9.8% in 100M-500M tier
964
Indirect Auto Concentration (%)
balance_sheet
Value:
36.91%
Peer Median: -
#964 of 1069
Bottom 9.9% in 100M-500M tier
848
Share Certificate Concentration (%)
balance_sheet
Value:
32.89%
Peer Median: -
#848 of 1069
Bottom 20.8% in 100M-500M tier