Credit Union Safety Analysis
Is Urban Beginnings Choice Federal Credit Union Safe? Fort Wayne, Indiana
Based on its Q2 2026 NCUA 5300 call report, Urban Beginnings Choice Federal Credit Union has a net worth ratio of 9.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.89%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Urban Beginnings Choice Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Urban Beginnings Choice Federal Credit Union's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.77%
- Delinquency ratio (60+ days) (Q2 2026): 3.89%
- Return on assets (Q2 2026): 2.72%
- Loan-to-share ratio (Q2 2026): 55.21%
Urban Beginnings Choice Federal Credit Union (NCUA charter 24781, established 2007) reported $1.8M in assets and 299 members for Q2 2026 from Fort Wayne, Indiana. It ranks 109 of 118 credit unions in Indiana by total assets. Total assets grew 10.7% from $1.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.58% for Q1 2026; 8.35% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.87% for Q1 2026; 1.15% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 2.38% for Q1 2026; 2.36% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 56.21% for Q1 2026; 47.01% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $340K
- Used vehicle loans: $199K
- Other unsecured loans and lines of credit: $143K
- New vehicle loans: $34K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.8M | 9.77% | 3.89% | 2.72% | 55.21% |
| March 31, 2026 | $1.8M | 10.58% | 1.87% | 2.38% | 56.21% |
| December 31, 2025 | $1.7M | 9.27% | 4.73% | 3.29% | 66.89% |
| September 30, 2025 | $1.8M | 8.18% | 2.38% | 1.85% | 50.34% |
| June 30, 2025 | $1.7M | 8.35% | 1.15% | 2.36% | 47.01% |
| March 31, 2025 | $1.7M | 7.40% | 4.51% | 1.72% | 47.28% |
Add this badge to your website
Free to use. It shows Urban Beginnings Choice Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Urban Beginnings Choice Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24781) · FFIEC NIC profile (RSSD 3593343)
Frequently asked questions
Is Urban Beginnings Choice Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Urban Beginnings Choice Federal Credit Union's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
Is Urban Beginnings Choice Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Urban Beginnings Choice Federal Credit Union is a federally insured credit union (NCUA charter 24781): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Urban Beginnings Choice Federal Credit Union's key safety ratios?
For Q2 2026, Urban Beginnings Choice Federal Credit Union reports net worth 9.77%, delinquency 3.89%, ROA 2.72%, loan-to-share 55.21%.
What happens to my money if Urban Beginnings Choice Federal Credit Union fails?
For Q2 2026, Urban Beginnings Choice Federal Credit Union held $1.3M in shares and deposits for 299 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.