Urban Beginnings Choice Federal Credit Union
Major Rating Factors:
A current level of 21.9 percent of nonperforming loans to core capital combined with 44.6 percent from a year earlier contributes to the Fair asset quality (3.7). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 0.0.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.6 has resulted in Excellent (9.5) profitability. Excellent liquidity 8.4, driven by a liquidity ratio of 294.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (18%), other (82%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1830 Wayne Trace
Fort Wayne, IN 46803
Fort Wayne, IN 46803
Phone Number
(260) 456-1802
NCUA Charter Number
Website
Largest Competitors
Fort Wayne, IN
Fort Wayne, IN
Fort Wayne, IN
Fort Wayne, IN
Fort Wayne, IN