Preheat the oven to 350 F.
Drain and rinse black beans.
In a bowl, combine the black beans, 1/2 cup onion and cumin.
Sprinkle each tortilla with 1/4 cup of cheese.
Divide the bean-onion mixture among the tortillas — spread it over cheese.
Fold each tortilla in half.
On a lightly greased 9-by-13-inch baking pan, place the tortillas with space in between and cover with foil.
Bake for 5 minutes until cheese is melted. Then fold each tortilla in half. Cover with the foil and bake 5 to 10 minutes longer.
While quesadilla is baking, in a bowl combine remaining onion, tomatoes, jalapeño, garlic, cilantro leaves, and lime juice. Mix well.
Remove the foil from pan.
Cut each tortilla into 4 pieces. Serve with a tablespoon of plain low fat Greek yogurt and tomato mixture.