BlastPoint's Credit Union Scorecard
BEACON CREDIT UNION, INCORPORATED
Charter #66965 · VA
BEACON CREDIT UNION, INCORPORATED has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.24% above tier average
- + Net Interest Margin 0.39% above tier average
- + Deposit Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.1% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Total Loans: Top 2.5% in tier
- + Loan Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits +18.8% year over year ($342M in shares and deposits).
- Membership: 30,270 members, +3.6% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 1.10%.
- Efficiency ratio 74.73% vs a 76.73% peer average.
- Loan-to-share ratio 99.80% vs a 71.54% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,270
+3.6% YoY+1.7% QoQ
|
+15.1K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 6.2% in tier |
| Assets |
$391.6M
+18.0% YoY+3.5% QoQ
|
+$159.6M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 12.6% in tier |
| Loans |
$341.3M
+19.0% YoY+4.7% QoQ
|
+$195.0M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 2.6% in tier |
| Deposits |
$342.0M
+18.8% YoY+3.6% QoQ
|
+$141.2M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 11.3% in tier |
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| ROA |
1.1%
-39.8% YoY+53.4% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.1%
-5.3% YoY+2.2% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
74.7%
+5.2% YoY-5.9% QoQ
|
-2.0% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.2%
-13.4% YoY+37.6% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 13.8% in tier |
| Loan To Share |
99.8%
+0.2% YoY+1.0% QoQ
|
+28.3% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Top 2.5% in tier |
| AMR |
$22,570
+14.8% YoY+2.4% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
13.5%
-19.8% YoY+4.8% QoQ
|
-11.0% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
35.6%
-12.1% YoY+1.8% QoQ
|
+22.0% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)