BlastPoint's Credit Union Scorecard

BEACON CREDIT UNION, INCORPORATED

Charter #66965 · VA

1069 CUs in 100M-500M nationally 25 in VA

BEACON CREDIT UNION, INCORPORATED has 9 strengths but faces 2 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

  • + Organic Growth Engine: Top 20.0% in tier
  • + Wallet Share Momentum: Top 39.3% in tier
  • + ROA 0.86% above tier average
  • + Net Interest Margin 0.45% above tier average
  • + Loan-to-Share Ratio: Top 3.7% in tier
  • + Total Loans: Top 4.3% in tier
  • + Deposit Growth Rate: Top 6.4% in tier
  • + Total Members: Top 7.4% in tier
  • + Asset Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.1% in tier
  • - Indirect Auto Dependency: Bottom 15.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 29,575
+3.5% YoY+0.2% QoQ
 +14.1K 15,437
-2.9% YoY
 222,299
+7.3% YoY
 33,374
+5.7% YoY
 Top 7.5% in tier
Assets $369.6M
+11.1% YoY+6.6% QoQ
 +$137.7M $231.9M
+1.3% YoY
 $2.9B
+9.9% YoY
 $561.6M
+9.7% YoY
 85%
Loans $317.0M
+12.4% YoY+6.5% QoQ
 +$169.7M $147.3M
-0.1% YoY
 $2.1B
+6.6% YoY
 $397.0M
+8.8% YoY
 Top 4.4% in tier
Deposits $322.3M
+12.6% YoY+7.0% QoQ
 +$121.5M $200.8M
+0.8% YoY
 $2.5B
+10.1% YoY
 $477.3M
+9.7% YoY
 Top 14.8% 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 1.6%
+98.9% YoY+3.4% QoQ
 +0.9% 0.8%
+18.2% YoY
 0.6%
+3.1% YoY
 0.7%
+15.9% YoY
 Top 7.7% in tier
NIM 4.1%
+1.6% YoY-3.5% QoQ
 +0.5% 3.6%
+6.7% YoY
 3.9%
+2.0% YoY
 3.8%
+5.1% YoY
 75%
Efficiency Ratio 70.6%
-6.1% YoY-3.0% QoQ
 -6.5% 77.0%
-3.1% YoY
 80.2%
-0.6% YoY
 79.7%
-3.3% YoY
 27%
Delinquency Rate 0.2%
-13.9% YoY-5.7% QoQ
 -0.7 0.9%
+4.2% YoY
 1.4%
-11.9% YoY
 1.3%
-2.1% YoY
 Bottom 11.4% in tier
Loan To Share 98.4%
-0.2% YoY-0.5% QoQ
 +26.1% 72.2%
-1.1% YoY
 65.1%
-5.8% YoY
 67.4%
-1.7% YoY
 Top 3.8% in tier
AMR $21,617
+8.7% YoY+6.5% QoQ
 $-3K $24,676
+3.4% YoY
 $18,904
+2.4% YoY
 $19,687
+2.0% YoY
 44%
CD Concentration 15.2%
-17.5% YoY+1.9% QoQ
 -9.2% 24.4% 18.3% 19.8% 50%
Indirect Auto % 34.9%
-17.3% YoY-8.7% QoQ
 +21.1% 13.8% 9.6% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#120 of 595 • Top 20.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.45%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.63%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 34.86%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth
#202 of 513 • Top 39.3% in tier

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

Why This Signature
AMR Growth (YoY): 8.71%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#24 of 228 • Bottom 10.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 98.36%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 12.37%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#77 of 506 • Bottom 15.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.13%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 34.86%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.45%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 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 1069 peers in tier

Top Strengths (16 metrics)

41
Loan-to-Share Ratio
balance_sheet
Value: 98.36%
Peer Median: -
#41 of 1069 Top 3.7% in 100M-500M tier
47
Total Loans
balance_sheet
Value: $317.01M
Peer Median: -
#47 of 1069 Top 4.3% in 100M-500M tier
69
Deposit Growth Rate
growth
Value: 12.55%
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
80
Total Members
engagement
Value: 29,575
Peer Median: -
#80 of 1069 Top 7.4% in 100M-500M tier
82
Return on Assets (ROA)
profitability
Value: 1.63%
Peer Median: -
#82 of 1069 Top 7.6% in 100M-500M tier
97
Asset Growth Rate
growth
Value: 11.13%
Peer Median: -
#97 of 1069 Top 9.0% in 100M-500M tier
120
Loan Growth Rate
growth
Value: 12.37%
Peer Median: -
#120 of 1069 Top 11.1% in 100M-500M tier
123
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Median: -
#123 of 1069 Top 11.4% in 100M-500M tier
136
Fee Income Per Member
profitability
Value: $253.77
Peer Median: -
#136 of 1069 Top 12.6% in 100M-500M tier
158
Total Deposits
balance_sheet
Value: $322.30M
Peer Median: -
#158 of 1069 Top 14.7% in 100M-500M tier

Top Weaknesses (1 metrics)

945
Indirect Auto Concentration (%)
balance_sheet
Value: 34.86%
Peer Median: -
#945 of 1069 Bottom 11.7% in 100M-500M tier
Link copied to clipboard!