BlastPoint's Credit Union Scorecard
BEACON COMMUNITY
Charter #60883 · KY
BEACON COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 2.3% in tier
- + Fee Income Per Member: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 3.40% above tier (higher cost structure)
- - Member decline: -9.4% YoY
- - Indirect Auto Concentration (%): Bottom 4.4% in tier
- - Member Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,000
-9.4% YoY-2.6% QoQ
|
+6.4K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
Top 2.3% in tier |
| Assets |
$68.1M
-0.4% YoY-0.6% QoQ
|
+$37.9M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
Top 13.3% in tier |
| Loans |
$32.2M
-14.5% YoY-2.8% QoQ
|
+$16.5M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$60.9M
+0.5% YoY+2.3% QoQ
|
+$35.2M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
Top 11.7% in tier |
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| ROA |
0.6%
+16.9% YoY-18.1% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.4%
+9.0% YoY+1.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
86.0%
-2.5% YoY+2.2% QoQ
|
+3.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.0%
+72.6% YoY+118.1% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
52.9%
-14.9% YoY-4.9% QoQ
|
-7.7% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$10,346
+4.6% YoY+3.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
13.6%
+8.8% YoY-1.7% QoQ
|
-10.8% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
26.8%
-8.5% YoY+2.4% QoQ
|
+13.0% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)