BlastPoint's Credit Union Scorecard

BEACON CREDIT UNION, INCORPORATED

Charter #66965 · VA

100M-500M
1070 CUs in 100M-500M nationally 24 in VA

BEACON CREDIT UNION, INCORPORATED has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?
VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 50.0% in tier
  • + Net Interest Margin 0.35% above tier average
  • + Loan-to-Share Ratio: Top 2.0% in tier
  • + Asset Growth Rate: Top 3.1% in tier
  • + Deposit Growth Rate: Top 3.1% in tier
  • + Total Loans: Top 3.3% in tier
  • + Loan Growth Rate: Top 5.6% in tier
  • + AMR Growth Rate: Top 5.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency ratio 1.37% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 29,761
+3.0% YoY+0.6% QoQ
 +14.6K 15,145
-2.5% YoY
 224,534
+5.9% YoY
 33,913
+5.7% YoY
 Top 6.7% in tier
Assets $378.2M
+14.9% YoY+2.3% QoQ
 +$146.5M $231.7M
+0.8% YoY
 $3.0B
+7.5% YoY
 $578.3M
+9.0% YoY
 Top 14.0% in tier
Loans $326.1M
+16.1% YoY+2.9% QoQ
 +$181.9M $144.1M
+0.2% YoY
 $2.1B
+5.8% YoY
 $402.4M
+8.7% YoY
 Top 3.4% in tier
Deposits $330.1M
+15.5% YoY+2.4% QoQ
 +$128.9M $201.1M
+0.4% YoY
 $2.6B
+7.7% YoY
 $494.3M
+9.1% YoY
 Top 13.5% in tier

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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 0.7%
-35.5% YoY-55.9% QoQ
 +0.0% 0.7%
+5.1% YoY
 0.3%
-55.0% YoY
 0.4%
-39.2% YoY
 52%
NIM 4.0%
-3.8% YoY-1.9% QoQ
 +0.4% 3.6%
+4.6% YoY
 4.0%
+3.3% YoY
 3.8%
+4.1% YoY
 72%
Efficiency Ratio 79.4%
+1.3% YoY+12.5% QoQ
 +1.4% 78.0%
-1.7% YoY
 81.9%
+0.2% YoY
 84.6%
+2.8% YoY
 52%
Delinquency Rate 0.2%
-3.7% YoY-27.0% QoQ
 -0.6 0.8%
+7.1% YoY
 1.4%
-2.1% YoY
 1.2%
+3.4% YoY
 Top 10.8% in tier
Loan To Share 98.8%
+0.6% YoY+0.4% QoQ
 +28.4% 70.4%
-0.4% YoY
 62.9%
-4.5% YoY
 65.6%
-1.4% YoY
 Top 2.1% in tier
AMR $22,048
+12.4% YoY+2.0% QoQ
 $-3K $24,918
+2.7% YoY
 $19,100
+3.1% YoY
 $19,920
+1.6% YoY
 45%
CD Concentration 12.9%
-25.7% YoY-15.3% QoQ
 -11.4% 24.3% 18.0% 19.8% 50%
Indirect Auto % 35.0%
-15.5% YoY+0.3% QoQ
 +21.2% 13.8% 9.4% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#79 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 12.43%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#9 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.79%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 16.14%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#52 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): 14.94%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 34.97%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 3.00%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

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)

Comparing against 1070 peers in tier

Top Strengths (13 metrics)

22
Loan-to-Share Ratio
balance_sheet
Value: 98.79%
Peer Median: 71.88%
#22 of 1070 Top 2.0% in 100M-500M tier
34
Asset Growth Rate
growth
Value: 14.94%
Peer Median: 3.91%
#34 of 1070 Top 3.1% in 100M-500M tier
34
Deposit Growth Rate
growth
Value: 15.48%
Peer Median: 3.30%
#34 of 1070 Top 3.1% in 100M-500M tier
36
Total Loans
balance_sheet
Value: $326.09M
Peer Median: $121.41M
#36 of 1070 Top 3.3% in 100M-500M tier
61
Loan Growth Rate
growth
Value: 16.14%
Peer Median: 2.93%
#61 of 1070 Top 5.6% in 100M-500M tier
63
AMR Growth Rate
growth
Value: 12.43%
Peer Median: 3.46%
#63 of 1070 Top 5.8% in 100M-500M tier
72
Total Members
engagement
Value: 29,761
Peer Median: 13,200
#72 of 1070 Top 6.6% in 100M-500M tier
117
Total Delinquency Rate (60+ days)
risk
Value: 0.17%
Peer Median: 0.61%
#117 of 1070 Top 10.8% in 100M-500M tier
144
Total Deposits
balance_sheet
Value: $330.08M
Peer Median: $171.29M
#144 of 1070 Top 13.4% in 100M-500M tier
150
Total Assets
balance_sheet
Value: $378.24M
Peer Median: $196.57M
#150 of 1070 Top 13.9% in 100M-500M tier

Top Weaknesses (1 metrics)

947
Indirect Auto Concentration (%)
balance_sheet
Value: 34.97%
Peer Median: 6.61%
#947 of 1070 Bottom 11.6% in 100M-500M tier
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