credit union

Urban Beginnings Choice

Fort Wayne, IN · Est. 2006
A
Trust Grade
Excellent
Score: 93/100

Urban Beginnings Choice is a credit union based in Fort Wayne, Indiana, established in 2006, with $2 million in total assets serving 291 members. By Trust Grade it ranks 66th of 124 credit unions we track in Indiana. Its net worth ratio of 10.6% trails most similarly sized credit unions (21th percentile), versus a Indiana median of 12.8%. It was profitable over the most recent period, with a 2.38% return on assets. No consumer complaints against Urban Beginnings Choice appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.8M
<$100M institution
Members
291
Shares & deposits
—
Net worth ratio
10.6%
Bottom 21% of <$100M peers · Indiana median 12.8%
Return on assets
2.4%
Top 3% of <$100M peers · Indiana median 0.68%
Rank in Indiana
#66
of 124 credit unions

How Urban Beginnings Choice compares to Indiana peers

Net worth ratio
Bottom 21% of <$100M peers
Urban Beginnings
10.6%
Indiana median
12.8%
Higher capital ratio = stronger financial cushion
Return on assets
Top 3% of <$100M peers
Urban Beginnings
2.4%
Indiana median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Urban Beginnings Choice

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
93/100
Customer experience
n/a
Overall
A · 93
  • Well-capitalized (10.6% capital ratio)
  • Strongly profitable (ROA 2.38%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Urban Beginnings Choice over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Urban Beginnings Choice insured?

Yes. Urban Beginnings Choice is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Urban Beginnings Choice: frequently asked questions

Is Urban Beginnings Choice a good credit union?

Urban Beginnings Choice earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (10.6% capital ratio); Strongly profitable (ROA 2.38%).

Is Urban Beginnings Choice NCUA-insured?

Yes. Urban Beginnings Choice is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Urban Beginnings Choice?

Urban Beginnings Choice holds $2 million in total assets, ranking 66th of 124 credit unions we track in Indiana. It serves 291 members.

Does Urban Beginnings Choice have CFPB complaints?

No CFPB complaints against Urban Beginnings Choice appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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