BlastPoint's Credit Union Scorecard
URBAN BEGINNINGS CHOICE
Charter #24781 · IN
2596 CUs in <100M nationally
82 in IN
URBAN BEGINNINGS CHOICE has 10 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% 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
- + AMR Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Loan Growth Rate: Top 3.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Member decline: -30.5% YoY
- - Member Growth Rate: Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.5% in tier
- - Net Worth Ratio: Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 6.1% in tier
- - Total Members: Bottom 7.8% in tier
- - Total Assets: Bottom 8.9% in tier
- - Total Deposits: Bottom 9.1% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
294
-30.5% YoY+0.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 7.8% in tier |
| Assets |
$1.8M
+123.1% YoY+8.1% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.9% in tier |
| Loans |
$717,740
+18.7% YoY+9.8% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.4M
+123.2% YoY+2.6% QoQ
|
$-24.0M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.0%
-39.6% YoY-2.9% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 9.4% in tier |
| NIM |
1.4%
-73.3% YoY+2.7% QoQ
|
-2.5% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio |
85.4%
+4.4% YoY+1.4% QoQ
|
+4.0% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
2.4%
-43.0% YoY+106.6% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
50.3%
-46.8% YoY+7.1% QoQ
|
-10.9% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$7,291
+148.0% YoY+4.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
4
AMR Growth Rate
growth
Value:
148.00%
Peer Avg: -
#4 of 2596
Top 0.1% in <100M tier
5
Asset Growth Rate
growth
Value:
123.12%
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
5
Deposit Growth Rate
growth
Value:
123.24%
Peer Avg: -
#5 of 2596
Top 0.2% in <100M tier
13
Fee Income Per Member
profitability
Value:
$867.59
Peer Avg: -
#13 of 2596
Top 0.5% in <100M tier
100
Loan Growth Rate
growth
Value:
18.66%
Peer Avg: -
#100 of 2596
Top 3.8% in <100M tier
244
Return on Assets (ROA)
profitability
Value:
1.97%
Peer Avg: -
#244 of 2596
Top 9.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (11 metrics)
2568
Member Growth Rate
growth
Value:
-30.50%
Peer Avg: -
#2568 of 2596
Bottom 1.1% in <100M tier
2558
Net Interest Margin (NIM)
profitability
Value:
1.44%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2460
Net Worth Ratio
risk
Value:
8.18%
Peer Avg: -
#2460 of 2596
Bottom 5.3% in <100M tier
2439
Members Per Employee (MPE)
engagement
Value:
98.000
Peer Avg: -
#2439 of 2596
Bottom 6.1% in <100M tier
2394
Total Members
engagement
Value:
294
Peer Avg: -
#2394 of 2596
Bottom 7.8% in <100M tier
2366
Total Assets
balance_sheet
Value:
$1.79M
Peer Avg: -
#2366 of 2596
Bottom 8.9% in <100M tier
2361
Total Deposits
balance_sheet
Value:
$1.43M
Peer Avg: -
#2361 of 2596
Bottom 9.1% in <100M tier
2351
Total Loans
balance_sheet
Value:
$717,740
Peer Avg: -
#2351 of 2596
Bottom 9.5% in <100M tier
2178
Average Member Relationship (AMR)
engagement
Value:
$7,291
Peer Avg: -
#2178 of 2596
Bottom 16.1% in <100M tier
2175
Total Delinquency Rate (60+ days)
risk
Value:
2.38%
Peer Avg: -
#2175 of 2596
Bottom 16.3% in <100M tier