BlastPoint's Credit Union Scorecard
BEACON
Charter #6062 · TX
BEACON faces 12 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 10.3% in tier
- - Stagnation Risk: Bottom 10.9% in tier
- - Institutional Decline: Bottom 11.6% in tier
- - Membership Headwinds: Bottom 12.2% in tier
- - Credit Quality Pressure: Bottom 19.1% in tier
- - Shrinking Wallet Share: Bottom 22.5% in tier
- - Efficiency Drag: Bottom 26.8% in tier
- - Indirect Auto Dependency: Bottom 30.0% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 5.46% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Deposit Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,119
-3.4% YoY-0.3% QoQ
|
-1.5K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$199.9M
-1.7% YoY-2.1% QoQ
|
$-31.4M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
50% |
| Loans |
$100.1M
-5.8% YoY-3.6% QoQ
|
$-47.7M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$182.7M
-3.2% YoY-2.6% QoQ
|
$-17.6M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
54% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+150.1% YoY-9.8% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
52% |
| NIM |
3.5%
+18.0% YoY+3.7% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
82.7%
-7.6% YoY+2.4% QoQ
|
+5.5% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
+36.5% YoY+20.4% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
54.8%
-2.7% YoY-0.9% QoQ
|
-17.9% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.7% in tier |
| AMR |
$20,030
-0.8% YoY-2.7% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
36% |
| CD Concentration |
17.4%
-4.3% YoY+3.1% QoQ
|
-7.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.7%
-3.7% YoY-3.2% QoQ
|
+5.7% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (8)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)