Side-by-side · Q2 2026 data
Urban Beginnings Choice Federal Credit Union vs Bloomington Municipal Credit Union
Credit union
Urban Beginnings Choice Federal Credit Union
Fort Wayne, Indiana · Under $100 million in assets
Credit union
Bloomington Municipal Credit Union
Bloomington, Illinois · Under $100 million in assets
Metric by metric
| Measure | Urban Beginnings Choice Federal Credit Union | Bloomington Municipal Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 48 | 85 (stronger) |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 69 | 100 (stronger) |
| Peer percentile | 16th | 83rd |
| Total assets | $1.8M | $45.7M |
| Deposits / shares | $1.3M | $39.5M |
| Capital ratio | 9.77% | 13.50% (stronger) |
| Problem loans | 3.89% | 0.10% (stronger) |
| Net charge-offs | 5.58% | 0.10% (stronger) |
| Return on assets | 2.55% (stronger) | 1.02% |
| Loans ÷ deposits | 55.2% | 33.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 13.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bloomington Municipal Credit Union has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Urban Beginnings Choice Federal Credit Union leads on 2 and Bloomington Municipal Credit Union on 5. 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.