URBAN BEGINNINGS CHOICE
Charter #24781 · Fort Wayne, IN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 291 sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 2.44% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.21% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 3.31% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 5.28% sits at the 92nd 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 | URBAN BEGINNINGS CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.82M | 28th pct | 20th pct |
| Members | 291 | 24th pct | 21th pct |
| Net worth ratio | 10.58% | 16th pct | 33th pct |
| Return on average assets | 2.44% | 94th pct | 89th pct |
| Net interest margin | 2.21% | 9th pct | 3th pct |
| Cost of funds | 3.31% | 97th pct | 97th pct |
| Loan-to-share | 56.21% | 48th pct | 43th pct |
| Delinquency 60+ days | 1.87% | 66th pct | 61th pct |
| Net charge-off ratio | 5.28% | 96th pct | 92th pct |
| Loan growth YoY | 0.30% | 76th pct | 62th pct |
| Share growth YoY | -10.18% | 7th pct | 0th pct |
| Efficiency ratio | 80.95% | 42th pct | 41th pct |
structural peer set hash: 4e7d3ae10ebf013ef936e7e7d6a6945b… (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.