BlastPoint's Credit Union Scorecard
URBAN BEGINNINGS CHOICE
Charter #24781 · IN
2556 CUs in <100M nationally
82 in IN
URBAN BEGINNINGS CHOICE has 7 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + AMR Growth Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.50% above tier (higher cost structure)
- - Delinquency rate 3.18% above tier average
- - Member decline: -34.8% YoY
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Member Growth Rate: Bottom 0.9% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Total Members: Bottom 7.3% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Asset Growth Rate: Bottom 8.0% in tier
- - Total Assets: Bottom 8.4% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
281
-34.8% YoY-4.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 7.2% in tier |
| Assets |
$1.7M
-7.6% YoY-3.2% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.4% in tier |
| Loans |
$785,401
+35.7% YoY+9.4% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.2M
-32.5% YoY-17.7% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.7% in tier |
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| ROA |
2.3%
-20.7% YoY+14.4% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 4.3% in tier |
| NIM |
2.0%
-39.8% YoY+39.7% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
84.1%
+9.1% YoY-1.6% QoQ
|
+1.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
4.7%
-7.1% YoY+98.6% QoQ
|
+3.2 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.7% in tier |
| Loan To Share |
66.9%
+101.0% YoY+32.9% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$6,973
+29.7% YoY-4.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
12
Fee Income Per Member
profitability
Value:
$873.87
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
33
Loan Growth Rate
growth
Value:
35.68%
Peer Median: -
#33 of 2556
Top 1.3% in <100M tier
35
AMR Growth Rate
growth
Value:
29.67%
Peer Median: -
#35 of 2556
Top 1.3% in <100M tier
111
Return on Assets (ROA)
profitability
Value:
2.26%
Peer Median: -
#111 of 2556
Top 4.3% in <100M tier
Top Weaknesses (14 metrics)
2540
Deposit Growth Rate
growth
Value:
-32.48%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2535
Member Growth Rate
growth
Value:
-34.80%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2455
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Median: -
#2455 of 2556
Bottom 4.0% in <100M tier
2444
Net Charge-Off Rate
risk
Value:
2.48%
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2415
Members Per Employee (MPE)
engagement
Value:
93.667
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2385
Total Delinquency Rate (60+ days)
risk
Value:
4.73%
Peer Median: -
#2385 of 2556
Bottom 6.7% in <100M tier
2371
Total Members
engagement
Value:
281
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2359
Total Deposits
balance_sheet
Value:
$1.17M
Peer Median: -
#2359 of 2556
Bottom 7.7% in <100M tier
2352
Asset Growth Rate
growth
Value:
-7.56%
Peer Median: -
#2352 of 2556
Bottom 8.0% in <100M tier
2342
Total Assets
balance_sheet
Value:
$1.73M
Peer Median: -
#2342 of 2556
Bottom 8.4% in <100M tier