URW COMMUNITY
Charter #19867 · DANVILLE, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,659 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.35% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.00% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.29% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.41% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | URW COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $225.80M | 58th pct | 62th pct |
| Members | 35,659 | 97th pct | 87th pct |
| Net worth ratio | 14.35% | 82th pct | 80th pct |
| Return on average assets | 0.68% | 48th pct | 46th pct |
| Net interest margin | 6.00% | 100th pct | 98th pct |
| Cost of funds | 1.41% | 63th pct | 48th pct |
| Loan-to-share | 92.24% | 92th pct | 84th pct |
| Delinquency 60+ days | 1.29% | 86th pct | 92th pct |
| Net charge-off ratio | 1.41% | 96th pct | 89th pct |
| Loan growth YoY | 0.07% | 49th pct | 36th pct |
| Share growth YoY | 1.02% | 17th pct | 18th pct |
| Efficiency ratio | 83.36% | 67th pct | 74th pct |
structural peer set hash: 88e5cd9d69473653ca38f4498482ec64… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.