Federal credit union · Fort Wayne, Indiana · NCUA charter #24781
Urban Beginnings Choice
Health score 57/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $1.7M
- Total assets
- 281
- Members
- 9.3%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)94
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)95
Weighted composite: 57/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.27% | 30% |
| Delinquency Rate | 4.73% | 25% |
| Return on Assets | 2.20% | 15% |
| Member Growth | -34.80% | 15% |
| Loan-to-Share Ratio | 66.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Urban Beginnings Choice
The five-factor composite scores Urban Beginnings Choice at 57/100 (Fair), reflecting a net worth ratio of 9.27% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Fort Wayne, Indiana, reports 281 members, $1.7M in total assets, and $785K in outstanding loans as of Q4 2025 under charter #24781 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
Deposits deployed into lending sit at a 66.89% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 4.73% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at 2.20% on net income of $38K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -34.80%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other/Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Urban Beginnings Choice financially healthy?
A 9.27% net worth ratio and a 4.73% delinquency rate feed into Urban Beginnings Choice's financial health score of 57/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Urban Beginnings Choice compare to other credit unions?
57/100 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 9.27% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.