BlastPoint's Credit Union Scorecard
URBAN BEGINNINGS CHOICE
Charter #24781 · IN
<100M
2508 CUs in <100M nationally
80 in IN
URBAN BEGINNINGS CHOICE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.23% above tier average
- + Fee Income Per Member: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.37% above tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Deposit Growth Rate: Bottom 8.4% in tier
- - Total Assets: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
291
+3.2% YoY+3.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.8M
+5.3% YoY+5.4% QoQ
|
$-28.4M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.7% in tier |
| Loans |
$719,903
+8.6% YoY-8.3% QoQ
|
$-14.6M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.3% in tier |
| Deposits |
$1.3M
-8.6% YoY+9.1% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.1% in tier |
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| ROA |
2.4%
+44.2% YoY+5.5% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
Top 3.5% in tier |
| NIM |
2.2%
+208.1% YoY+6.5% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
81.0%
+2.8% YoY-3.7% QoQ
|
-9.7% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
1.9%
-58.5% YoY-60.5% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
56.2%
+18.9% YoY-16.0% QoQ
|
-2.3% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$6,875
-6.1% YoY-1.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
10
Fee Income Per Member
profitability
Value:
$648.47
Peer Median: $60.42
#10 of 2508
Top 0.4% in <100M tier
88
Return on Assets (ROA)
profitability
Value:
2.38%
Peer Median: 0.61%
#88 of 2508
Top 3.5% in <100M tier
283
Member Growth Rate
growth
Value:
3.19%
Peer Median: -1.37%
#283 of 2508
Top 11.2% in <100M tier
311
Loan Growth Rate
growth
Value:
8.62%
Peer Median: -2.36%
#311 of 2508
Top 12.4% in <100M tier
564
Asset Growth Rate
growth
Value:
5.32%
Peer Median: 1.30%
#564 of 2508
Top 22.4% in <100M tier
Top Weaknesses (13 metrics)
2451
Net Charge-Off Rate
risk
Value:
5.52%
Peer Median: 0.07%
#2451 of 2508
Bottom 2.3% in <100M tier
2396
Net Interest Margin (NIM)
profitability
Value:
2.15%
Peer Median: 3.83%
#2396 of 2508
Bottom 4.5% in <100M tier
2358
Members Per Employee (MPE)
engagement
Value:
97.000
Peer Median: 333.750
#2358 of 2508
Bottom 6.0% in <100M tier
2319
Total Members
engagement
Value:
291
Peer Median: 1,918
#2319 of 2508
Bottom 7.6% in <100M tier
2305
Total Deposits
balance_sheet
Value:
$1.28M
Peer Median: $18.77M
#2305 of 2508
Bottom 8.1% in <100M tier
2299
Deposit Growth Rate
growth
Value:
-8.63%
Peer Median: 0.66%
#2299 of 2508
Bottom 8.4% in <100M tier
2291
Total Assets
balance_sheet
Value:
$1.82M
Peer Median: $21.86M
#2291 of 2508
Bottom 8.7% in <100M tier
2276
Total Loans
balance_sheet
Value:
$719,903
Peer Median: $9.48M
#2276 of 2508
Bottom 9.3% in <100M tier
2161
AMR Growth Rate
growth
Value:
-6.09%
Peer Median: 1.27%
#2161 of 2508
Bottom 13.9% in <100M tier
2142
Average Member Relationship (AMR)
engagement
Value:
$6,875
Peer Median: $13,926
#2142 of 2508
Bottom 14.6% in <100M tier