Urban Beginnings Choice
Fort Wayne, IN · Charter 24781 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 1 branch
Q2 2026
$1.8MAssets
$717KLoans
$1.3MShares
$179KNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 1 of 19).
- Widest gap: net interest margin trails 100% of credit unions under $1B in assets in the Fort Wayne, IN area (rank 19 of 19).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
2.52%
Rank 1 of 19
Net Interest Margin
2.30%
Rank 19 of 19
Efficiency Ratio
79.83%
Rank 10 of 19
Equity / Assets
9.79%
Rank 17 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.52% | -0.27% | 1.22% | 1.52% | Beats 95% | 1 / 19 | |
| Return on Equity | 25.70% | -2.41% | 9.38% | 13.75% | Beats 95% | 1 / 19 | |
| Net Interest Margin | 2.30% | 3.49% | 3.77% | 4.18% | Beats 0% | 19 / 19 | |
| Efficiency Ratio | 79.83% | 68.63% | 79.83% | 95.74% | Beats 53% | 10 / 19 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.91% | 0.38% | 0.61% | 1.20% | Beats 5% | 19 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 10.00% | 11.56% | 13.69% | Beats 11% | 17 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.79% | 10.00% | 11.56% | 13.69% | Beats 11% | 17 / 19 | |
| Liquidity & Funding |
| Loans / Deposits | 55.20% | 49.95% | 68.70% | 81.33% | 32nd pctl | 13 / 19 | |
| Loans / Assets | 39.20% | 39.83% | 58.83% | 70.01% | 16th pctl | 16 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |