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 2.1% in tier
- + Fee Income Per Member: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Member decline: -6.8% YoY
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits +2.5% year over year ($62.9M in shares and deposits).
- Membership: 8,805 members, -6.8% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.03%.
- Efficiency ratio 88.18% vs a 88.77% peer average.
- Loan-to-share ratio 46.17% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,805
-6.8% YoY-1.2% QoQ
|
+6.2K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
Top 2.2% in tier |
| Assets |
$72.1M
+2.7% YoY+1.9% QoQ
|
+$41.8M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
Top 11.7% in tier |
| Loans |
$29.1M
-16.9% YoY-4.6% QoQ
|
+$13.6M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$62.9M
+2.5% YoY+2.1% QoQ
|
+$37.1M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
Top 10.8% in tier |
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| ROA |
0.0%
-95.7% YoY-108.2% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.9% in tier |
| NIM |
3.3%
+1.6% YoY+0.1% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
88.2%
+4.7% YoY-0.8% QoQ
|
-0.6% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.4%
-41.5% YoY+102.5% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
46.2%
-19.0% YoY-6.6% QoQ
|
-12.7% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$10,445
+2.4% YoY+1.1% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
14.3%
+7.6% YoY+9.8% QoQ
|
-10.3% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % |
20.6%
-26.5% YoY-8.1% QoQ
|
+7.0% | 13.6% | 7.6% | 7.7% | 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)