Urban Beginnings Choice Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 6.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability. Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6.
Asset Mix:
Consumer loans (21%), other (79%)
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