BlastPoint's Credit Union Scorecard

BEACON COMMUNITY

Charter #60883 · KY

<100M

2508 CUs in <100M nationally 35 in KY

BEACON COMMUNITY has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

KY Analysis

How does KY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Members: Top 2.2% in tier
+ Fee Income Per Member: Top 6.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.50% below tier average
- Member decline: -6.8% YoY
- Net Charge-Off Rate: Bottom 4.5% in tier
- Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Members	8,909 -6.8% YoY-1.0% QoQ	+6.2K	2,676 +1.6% YoY	19,049 +8.0% YoY	33,913 +5.7% YoY	Top 2.2% in tier
Assets	$70.7M -0.3% YoY+3.9% QoQ	+$40.5M	$30.2M +1.3% YoY	$318.2M +13.2% YoY	$578.3M +9.0% YoY	Top 11.8% in tier
Loans	$30.5M -16.0% YoY-5.5% QoQ	+$15.2M	$15.3M -2.0% YoY	$224.2M +14.2% YoY	$402.4M +8.7% YoY	84%
Deposits	$61.6M -1.1% YoY+1.1% QoQ	+$35.8M	$25.8M +0.7% YoY	$268.6M +13.0% YoY	$494.3M +9.1% YoY	Top 11.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.4% -150.3% YoY-159.0% QoQ	-0.5%	0.1% -77.6% YoY	-0.2% -46.7% YoY	0.4% -39.2% YoY	Bottom 14.7% in tier
NIM	3.3% +3.0% YoY-3.1% QoQ	-0.7%	4.0% +4.0% YoY	3.3% -7.9% YoY	3.8% +4.1% YoY	28%
Efficiency Ratio	88.9% +4.8% YoY+3.4% QoQ	-1.7%	90.6% +6.5% YoY	83.1% -14.8% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.2% -67.4% YoY-78.6% QoQ	-1.3	1.5% +3.8% YoY	0.9% -11.3% YoY	1.2% +3.4% YoY	29%
Loan To Share	49.4% -15.0% YoY-6.5% QoQ	-9.1%	58.5% -3.0% YoY	64.5% +0.1% YoY	65.6% -1.4% YoY	35%
AMR	$10,333 +0.2% YoY-0.1% QoQ	$-5K	$14,884 -1.7% YoY	$17,696 +5.9% YoY	$19,920 +1.6% YoY	30%
CD Concentration	13.0% +1.3% YoY-4.4% QoQ	-11.3%	24.3%	22.8%	19.8%	50%
Indirect Auto %	22.4% -23.5% YoY-16.1% QoQ	+8.6%	13.8%	7.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 8,909

Peer Median: 1,918

#55 of 2508 Top 2.2% in <100M tier

158

Fee Income Per Member

profitability

Value: $184.85

Peer Median: $60.42

#158 of 2508 Top 6.3% in <100M tier

284

Total Deposits

balance_sheet

Value: $61.60M

Peer Median: $18.77M

#284 of 2508 Top 11.3% in <100M tier

297

Total Assets

balance_sheet

Value: $70.68M

Peer Median: $21.86M

#297 of 2508 Top 11.8% in <100M tier

415

Total Loans

balance_sheet

Value: $30.46M

Peer Median: $9.48M

#415 of 2508 Top 16.5% in <100M tier

Top Weaknesses (6 metrics)

2397

Net Charge-Off Rate

risk

Value: 2.69%

Peer Median: 0.07%

#2397 of 2508 Bottom 4.5% in <100M tier

2385

Indirect Auto Concentration (%)

balance_sheet

Value: 22.44%

Peer Median: 0.00%

#2385 of 2508 Bottom 4.9% in <100M tier

2249

Loan Growth Rate

growth

Value: -15.95%

Peer Median: -2.36%

#2249 of 2508 Bottom 10.4% in <100M tier

2234

Member Growth Rate

growth

Value: -6.76%

Peer Median: -1.37%

#2234 of 2508 Bottom 11.0% in <100M tier

2139

Return on Assets (ROA)

profitability

Value: -0.36%

Peer Median: 0.61%

#2139 of 2508 Bottom 14.8% in <100M tier

2006

First Mortgage Concentration (%)

balance_sheet

Value: 30.88%

Peer Median: 3.66%

#2006 of 2508 Bottom 20.1% in <100M tier