Federal credit union · Fort Wayne, Indiana · NCUA charter #24781
Urban Beginnings Choice
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $1.7M
- Total assets
- 281
- Members
- 10.6%
- Net-worth ratio
Urban Beginnings Choice scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 281; net-worth ratio 10.58%; health rank #4,091 of 4,374; healthier than 6th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,091 of 4,374 health · 2025Q4Urban Beginnings Choice · health 59/100 · $1.7M · 2025Q4
- HEALTH 59/100
- NW 10.6%
- DELQ 4.73%
- ROA 2.20%
- ASSETS $1.7M
- MEM 281
- RANK #4,091/4,374
- PHOTO n/a
- BOOK 24781
Call Report peers
Urban Beginnings Choice carries $1.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Urban Beginnings Choice vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Urban Beginnings Choice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24781: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Urban Beginnings Choice vs Under $2M peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +14.19 pp (66.89% vs 52.70%).
- Widest shortfall vs peers is Net Worth Ratio: -12.35 pp (10.58% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Urban Beginnings Choice: in-state Call Report ranks
- Indiana health ordinal: #118 of 124.
- Assets rank #114 of 124 inside Indiana ($1.7M reported).
- Indiana membership ordinal: #116 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Urban Beginnings Choice: 2025Q4 → 2026Q1
Urban Beginnings Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.4% from $1.7M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted +1.31 pp (9.27% → 10.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 59/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Urban Beginnings Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.58% | -12.35 pp |
| Delinquency Rate | 4.73% | +0.26 pp |
| Return on Assets | 2.20% | +1.98 pp |
| Member Growth | -34.80% | - |
| Loan-to-Share Ratio | 66.89% | +14.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.8M | - |
| 2025Q4 | $1.7M | 281 |
| 2024Q4 | $1.9M | 431 |
| 2023Q4 | $852K | 365 |
Credit Union Details
- Charter Number
- 24781
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Under $2M
- State
- Indiana
- City
- Fort Wayne
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Urban Beginnings Choice.
| Office | City |
|---|---|
| Urban Beginnings Choice FCU (Main Office) | Fort Wayne, IN |
| Public Service CU | Fort Wayne, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
- PUBLIC SERVICE EDWARDSPT PL ELinton, IN · Under $2M87Health
- GARY FIREFIGHTERS ASSOCIATIONGary, IN · Under $2M49Health
- MT ZION INDIANAPOLISIndianapolis, IN · Under $2M87Health
- HAMMOND FIREFIGHTERS ASSN.Hammond, IN · Under $2M81Health
- GARY POLICE DEPARTMENT EMPLOYEESGARY, IN · Under $2M45Health
Compare Urban Beginnings Choice vs PUBLIC SERVICE EDWARDSPT PL E
Urban Beginnings Choice nationwide neighbourhoods
Cross-state asset and health neighbours for Urban Beginnings Choice - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
Using this data
- Urban Beginnings Choice ranks #4,091 of 4,374 nationally on financial health and #118 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service Edwardspt Pl E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service Edwardspt Pl E
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Urban Beginnings Choice financially healthy?
A 10.58% net worth ratio and a 4.73% delinquency rate feed into Urban Beginnings Choice's financial health score of 59/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,091 of 4,374; by total assets it ranks #4,160 of 4,374 nationally (same basis as /rankings/largest); and #114 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Urban Beginnings Choice compare to other credit unions?
59/100 is Urban Beginnings Choice's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Urban Beginnings Choice?
Urban Beginnings Choice operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Urban Beginnings Choice directly for the exact boundaries and application steps.
Is my money safe at Urban Beginnings Choice?
Federal credit unions like Urban Beginnings Choice are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Urban Beginnings Choice's net worth ratio of 10.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Urban Beginnings Choice offer compared to banks?
Credit unions like Urban Beginnings Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Urban Beginnings Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.