BlastPoint's Credit Union Scorecard

BEACON

Charter #6062 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

BEACON faces 8 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.66% below tier average
- Efficiency ratio 15.51% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,204 -3.1% YoY+0.4% QoQ	-941	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	55%
Assets	$209.1M -0.5% YoY+3.4% QoQ	$-22.7M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	54%
Loans	$97.2M -4.8% YoY+1.1% QoQ	$-46.9M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	35%
Deposits	$191.7M -1.4% YoY+3.7% QoQ	$-9.4M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -94.7% YoY-91.0% QoQ	-0.7%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 10.3% in tier
NIM	3.4% +3.6% YoY-3.0% QoQ	-0.2%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	93.5% +23.6% YoY+11.6% QoQ	+15.5%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 8.8% in tier
Delinquency Rate	0.2% +45.6% YoY-68.9% QoQ	-0.5	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	50.7% -3.5% YoY-2.5% QoQ	-19.7%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Bottom 12.7% in tier
AMR	$20,338 +0.6% YoY+2.4% QoQ	$-5K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	34%
CD Concentration	19.4% +16.9% YoY+5.4% QoQ	-4.9%	24.3%	21.3%	19.8%	50%
Indirect Auto %	19.5% -9.0% YoY+1.8% QoQ	+5.7%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline

#95 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $209.06M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.84%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#217 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.84%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#248 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#341 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.13% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Quality Pressure

risk

#539 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#453 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.46%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 19.53%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.14%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

169

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#169 of 1070 Top 15.7% in 100M-500M tier

Top Weaknesses (9 metrics)

977

Efficiency Ratio

profitability

Value: 93.53%

Peer Median: 78.68%

#977 of 1070 Bottom 8.8% in 100M-500M tier

960

Return on Assets (ROA)

profitability

Value: 0.06%

Peer Median: 0.69%

#960 of 1070 Bottom 10.4% in 100M-500M tier

955

Net Worth Ratio

risk

Value: 8.73%

Peer Median: 11.45%

#955 of 1070 Bottom 10.8% in 100M-500M tier

953

Loan Growth Rate

growth

Value: -4.84%

Peer Median: 2.93%

#953 of 1070 Bottom 11.0% in 100M-500M tier

934

Loan-to-Share Ratio

balance_sheet

Value: 50.71%

Peer Median: 71.88%

#934 of 1070 Bottom 12.8% in 100M-500M tier

931

Deposit Growth Rate

growth

Value: -1.37%

Peer Median: 3.30%

#931 of 1070 Bottom 13.1% in 100M-500M tier

916

Asset Growth Rate

growth

Value: -0.46%

Peer Median: 3.91%

#916 of 1070 Bottom 14.5% in 100M-500M tier

862

Member Growth Rate

growth

Value: -3.14%

Peer Median: -0.06%

#862 of 1070 Bottom 19.5% in 100M-500M tier

839

Loan-to-Member Ratio (LMR)

engagement

Value: $6,843

Peer Median: $9,356

#839 of 1070 Bottom 21.7% in 100M-500M tier