# URW COMMUNITY
DANVILLE, VA · NCUA charter 19867 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/urw-community-19867

Who the members are: federal charter, community charter, organized 1970, low-income designated, minority depository institution. 35,659 members of 250,000 potential (14.3% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $225.8M |
| Members | 35,659 (0.5% YoY) |
| Full-time staff | 57 |
| Net worth | $32.4M |
| Net worth ratio | 14.3% (p86 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 1.29% (p89 of band) |
| Net charge-offs (annualized) | 1.41% (p97 of band) |
| Loans / shares | 92% (p91 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.93% (p100 of band) |
| Operating expense / assets | 6.74% (p100 of band) |
| Vehicles % of loans | 76% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 49% |
| Third-party paper % of net worth | 204% (p81 of band) |
| Vehicle delinquency | 1.34% (p86 of band) |
| Vehicle NCO | 1.75% (p87 of band) |
| Repossessed % of vehicle book | 0.33% (p91 of band) |
| Real estate % of loans | 5% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 33% |
| Average share balance | $3,564 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,620 |
| Loans granted, annualized | $91.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | charge-offs p90, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 | loans>95% of shares |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 | delinquency 2x band | repo signal |
| 2017-03 | 4 |  | loans>95% of shares |
| 2017-06 | 5 | delinquency rising |  |
| 2017-09 | 5 | loans>95% of shares | delinquency rising |
| 2017-12 | 6 | repo signal |  |
| 2018-03 | 5 | net worth falling | loans>95% of shares, repo signal |
| 2018-06 | 3 |  | delinquency 2x band, net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | delinquency 2x band, repo signal |  |
| 2019-03 | 3 |  | delinquency 2x band, repo signal |
| 2019-06 | 4 | repo signal |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 | delinquency 2x band | repo signal |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | net worth falling | delinquency 2x band |
| 2020-09 | 2 |  | charge-offs p90, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 4 | delinquency rising |  |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 4 |  | delinquency rising |
| 2022-03 | 4 | expense trap | 3rd-party paper>100% NW |
| 2022-06 | 5 | 3rd-party paper>100% NW |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 6 | loans>95% of shares |  |
| 2023-03 | 7 | delinquency rising, assets shrinking | charge-offs p90 |
| 2023-06 | 6 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2023-09 | 7 | delinquency 2x band |  |
| 2023-12 | 7 | delinquency rising | assets shrinking |
| 2024-03 | 7 | net worth falling | loans>95% of shares |
| 2024-06 | 8 | loans>95% of shares |  |
| 2024-09 | 6 | repo signal | delinquency 2x band, delinquency rising, net worth falling |
| 2024-12 | 7 | delinquency 2x band |  |
| 2025-03 | 7 | assets shrinking | loans>95% of shares |
| 2025-06 | 6 |  | assets shrinking |
| 2025-09 | 6 | delinquency rising | repo signal |
| 2025-12 | 6 | repo signal | delinquency rising |
| 2026-03 | 6 | net worth falling | repo signal |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-30 [Banking+%26%238211%3B+Credit+union+fails+to+dismiss+overdraft+fee+policy+suit - Virginia Lawyers Weekly](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZXpzSEtRcmZMVDY0c25OOXJfaFEwTmdUUGxTYnhxR1U2aUoxdlRabnBuc2JCT2RyVFNFV0xEQXZFM2VzOVMxTWUteWFzXzlSYjgwOHFrY2tnRDQyZG00X2tCWGlzZUtYenhobWRyZllYYmc1aFh5QjlDY2dzNGVPdEhjYnZBZFhrZ0xNcHRCZFdBd25JNXNyU1V5NXdwTUZGTUdzeVlB?oc=5) · Virginia Lawyers Weekly
- 2026-03-18 [High stakes, legendary drivers highlight South Boston Speedway opener this Saturday - NASCAR.com](https://news.google.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?oc=5) · NASCAR.com
- 2026-07-24 [Presenting, corporate sponsors extend invitation to 2026 Virginia Cantaloupe Festival - YourGV.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNOWplTFUzRW05TEhKMENGNkdCcjE4UDYtUHRGN2dXeVJyMFlmY1JydWNJcGZtVV9SQ0daOTJSYnNITlFJSDkxWWdMQ2dYcV9wX1lmOFFvQS1KRmxhUU1yUGNKSm5qeFN2NVFtUG5sRWk5Nm5YQWtkaEZJOWFabE1CdC1jZXl6ODVlWVJZUUtoQlV2c2xOLXh5NV80T1IwbTFMbmE1M08yeml2OHlodlNYMnI5UGlkMGxRa09YU0ozQXRaMzJ3U2NYNk00djJYVFNPS2NFX2xyWE1KUmx2RnZVOXB4a01FRU9faTFtMUJIcUl1MGh3UWlYRGNWWEU4UjJpWGtB?oc=5) · YourGV.com
- 2026-03-16 [After six-year hiatus, Lee Pulliam is ready to race again at South Boston Speedway - NASCAR.com](https://news.google.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?oc=5) · NASCAR.com
- 2024-04-13 [URW Community Federal Credit Union breaks ground at new Chatham location - Chatham Star-Tribune](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbmExVG1rV0JDWE9BZ291SENTSkFsczMwMWxhc0l5aXFRSnRNbmtOMGRheVVHZWJHaDZEQTdienljWFB3aC1wSU9MLXBEdWJnMkttLVZadjFSVG41VEpGdzVWVTR2YkFwM0RZY1FyTlpjSGtGWHhqMG1WWkNDcnJTMU1VVmh6UjhBNDhzZm9XWk9fYzA?oc=5) · Chatham Star-Tribune
- 2026-06-26 [Diverse lineup of food vendors await for Virginia Cantaloupe Festival - YourGV.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQZ0Q1ZHFPcmdCOUxITDM5OGZxVlBWSjdnZHBseTN6bEI4VVFoYlRIOEppeDc0RGg0Rjg0bDNuYjRveE5RYW1POUl5RG00UjlrcEJ0dEdQY1d1MHdKUkZQZWlBa0p6UjBubFJkbkZjR1lDd3poYW1lRUI3M3RNSGdoQVQtRFFPUU9wZTlOS1laY083V2hsbEZRVFJ6ZTJVN0x1UWdzd3BaRUc0c2cwODJuWklEbTFBZ21OcXUtVDdxRGNMN0FwS3JzM20tblFyRlNrclJvdGlCQTV4azFfcDBMSS1QeDk1UlNKNWF3dnRVcw?oc=5) · YourGV.com
- 2021-12-20 [Ex-teller at Virginia credit union arrested in Durham after 2 years as a fugitive - CBS 17](https://news.google.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?oc=5) · CBS 17
- 2026-03-22 [Lee Pulliam visits victory lane at South Boston Speedway; Ron Silk takes “King of the Modifieds” crown - WDBJ7](https://news.google.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?oc=5) · WDBJ7

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19867 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "19867", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19867
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide