Urban Beginnings Choice

Fort Wayne, IN · 1 · Charter #24781 · www.ubcfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.7M
11th percentile
Members
281
9th percentile
Total loans
$785.4K
12th percentile
Total shares
$175.1K
2th percentile

Profitability

Return on assets
2.08%
92th percentile
Net interest margin
2.05%
5th percentile
Efficiency ratio
73.21%
37th percentile
Non-interest income ratio
76.09%
99th percentile

Capital & Risk

Net worth ratio
9.27%
12th percentile
Delinquency rate
4.73%
8th percentile
Net charge-off rate
2.48%
5th percentile
Loan-to-share
448.44%
100th percentile

Growth

Member growth YoY
-34.80%
0th percentile
Asset growth YoY
-7.56%
9th percentile
Loan growth YoY
35.68%
98th percentile
Share growth YoY
-52.27%
0th percentile

Operations

Members / branch
141
5th percentile
Assets / member
$6,157
24th percentile
Field of membership penetration
17.13%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Urban Beginnings Choice?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo