Side-by-side · Q2 2026 data
Urban Beginnings Choice Federal Credit Union vs Sheboygan Area Credit Union
Credit union
Urban Beginnings Choice Federal Credit Union
Fort Wayne, Indiana · Under $100 million in assets
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Urban Beginnings Choice Federal Credit Union | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 56 | 97 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 0 | 96 (stronger) |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 69 | 99 (stronger) |
| Peer percentile | 16th | 98th |
| Total assets | $1.8M | $93.4M |
| Deposits / shares | $1.3M | $78.1M |
| Capital ratio | 9.77% | 15.26% (stronger) |
| Problem loans | 3.89% | 0.13% (stronger) |
| Net charge-offs | 5.58% | 0.01% (stronger) |
| Return on assets | 2.55% (stronger) | 1.90% |
| Loans ÷ deposits | 55.2% (stronger) | 67.9% |
| Uninsured deposits | 0.0% (stronger) | 2.3% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Urban Beginnings Choice Federal Credit Union leads on 3 and Sheboygan Area Credit Union on 4. 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.