URBAN BEGINNINGS CHOICE Credit Union Profile

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URBAN BEGINNINGS CHOICE

Charter #24781 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (260) 456-1802

Fax: (260) 456-8880

Founding Date: N/A

Website: https://www.ubcfcu.org

Personnel & Operations

President: Lewis, Rudolph

Manager: Starks, Diane

FT Employees: 0

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 1

Hours: Monday 1:00 p.m. - 4;30 p.m. Wednesday 1:00

Credit Union Profile Summary

URBAN BEGINNINGS CHOICE is a FCU Credit Union. With a total of 292 members [1], this institution manages approximately $1,652,096 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.35% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.69% [1].

Financial Snapshot

Total Assets [1]
$1,652,096

Total economic resources.

Total Loans [1]
$653,532

Total value of outstanding loans.

Total Deposits [1]
$1,390,073

Total funds deposited by members.

Members [1]
292

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.35%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.95%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
47.01%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 103.26%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.69%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -26.63%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1830 Wayne Trce, Ste 204

Fort Wayne, IN, 46803-2657
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by URBAN BEGINNINGS CHOICE (Charter #24781).

Main Office

Union Baptist Church FCU Main Office

Type: Corporate Office

2200 Smith St

Fort Wayne, IN 46803

Phone: (260) 456-1802

Services: Member Services

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