Urban Beginnings Choice Federal Credit Union Fort Wayne, Indiana
Urban Beginnings Choice Federal Credit Union is a federal credit union headquartered in Fort Wayne, IN, established in 2007 (NCUA charter 24781), and it is regulated and insured by the NCUA. At Q2 2026 it reported 299 members and total assets of $1.8M (up 10.7% from Q2 2025), the 109th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 9.77% at Q2 2026, in the well capitalized band.
Also written as Urban Beginnings Choice FCU
BankRegReports is independent of Urban Beginnings Choice Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24781
- Headquarters
- Fort Wayne, IN
- Established
- 2007
- Total assets, Q2 2026
- $1.8M
- Assets vs Q2 2025
- +10.7%
- Members, Q2 2026
- 299
- Net worth ratio, Q2 2026
- 9.77%
- Latest call report
- Q2 2026, NCUA 5300 · Urban Beginnings Choice Federal Credit Union call report
- Asset rank in state
- 109th of 118 in Indiana
- Routing number
- 074986817
- Branches
- 2
It has 7 more members than on June 30, 2025 (+2.4%). Its net worth ratio was up 1.42 percentage points from 8.35% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $340K of $717K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.89% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.77% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Indiana
Frequently asked about Urban Beginnings Choice Federal Credit Union
How big is Urban Beginnings Choice Federal Credit Union?
At Q2 2026 it reported total assets of $1.8M and 299 members.
Where is Urban Beginnings Choice Federal Credit Union headquartered?
It is headquartered in Fort Wayne, IN, United States.
When was Urban Beginnings Choice Federal Credit Union founded?
It was established in 2007, per NCUA records.
Is Urban Beginnings Choice Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24781): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Urban Beginnings Choice Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Urban Beginnings Choice Federal Credit Union well capitalized?
Its net worth ratio was 9.77% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Urban Beginnings Choice Federal Credit Union's delinquency ratio?
Its delinquency ratio was 3.89% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Urban Beginnings Choice Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fort Wayne, IN 46803
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2007
- NCUA Charter #
- 24781
- RSSD ID
- 3593343
- Members
- 299
- Potential members
- 1,820
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.77% | 14.31% | 15th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.72% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 27.86% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.27% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.53% | 79.83% | 51st above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.94% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 3.89% | 0.86% | 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.21% | 4.70% | 25th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 55.21% | 58.92% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.8M total assets against $1.7M; $1.3M total shares and deposits against $1.4M; $717K total loans against $654K.
$179K net worth against $138K.
9.77% net worth ratio against 8.35%.
55.21% loan-to-share ratio against 47.01%.
3.89% delinquency ratio against 1.15%.
2.72% return on assets against 2.36%; 27.86% return on equity against 28.29%.
2.27% net interest margin against 2.12%.
299 members against 292.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.77% | 2.72% | 3.89% | 55.21% |
| March 31, 2026 | 10.58% | 2.38% | 1.87% | 56.21% |
| December 31, 2025 | 9.27% | 3.29% | 4.73% | 66.89% |
| September 30, 2025 | 8.18% | 1.85% | 2.38% | 50.34% |
| June 30, 2025 | 8.35% | 2.36% | 1.15% | 47.01% |
| March 31, 2025 | 7.40% | 1.72% | 4.51% | 47.28% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.