Side-by-side · Q2 2026 data
Generations Federal Credit Union vs Urban Beginnings Choice Federal Credit Union
Credit union
Generations Federal Credit Union
LA Porte, Indiana · Under $100 million in assets
Credit union
Urban Beginnings Choice Federal Credit Union
Fort Wayne, Indiana · Under $100 million in assets
Metric by metric
| Measure | Generations Federal Credit Union | Urban Beginnings Choice Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 56 |
| Capital cushion | 94 (stronger) | 48 |
| Loan quality | 80 (stronger) | 0 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 69 |
| Peer percentile | 85th | 16th |
| Total assets | $12.2M | $1.8M |
| Deposits / shares | $10.4M | $1.3M |
| Capital ratio | 14.37% (stronger) | 9.77% |
| Problem loans | 0.59% (stronger) | 3.89% |
| Net charge-offs | -0.02% (stronger) | 5.58% |
| Return on assets | 1.47% | 2.55% (stronger) |
| Loans ÷ deposits | 65.2% | 55.2% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Generations Federal Credit Union has the higher TellerScore (88 vs 56). On the 6 directional measures above (where higher or lower is clearly better), Generations Federal Credit Union leads on 4 and Urban Beginnings Choice Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.