BlastPoint's Credit Union Scorecard

BEACON CREDIT UNION, INCORPORATED

Charter #66965 · VA

1077 CUs in 100M-500M nationally 25 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

+ Organic Growth Engine: Top 12.5% in tier
+ Profitability Leader: Top 37.2% in tier
+ Credit Quality Leader: Top 56.0% in tier
+ ROA 0.78% above tier average
+ Net Interest Margin 0.62% above tier average
+ Loan-to-Share Ratio: Top 3.3% in tier
+ Total Loans: Top 6.3% in tier
+ Total Members: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.1% in tier
- Liquidity Strain: Bottom 8.9% in tier
- Indirect Auto Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	29,507 +2.4% YoY+1.0% QoQ	+13.9K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	Top 7.9% in tier
Assets	$346.6M +5.5% YoY+4.5% QoQ	+$115.3M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	81%
Loans	$297.7M +5.9% YoY+3.8% QoQ	+$149.9M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	Top 6.4% in tier
Deposits	$301.1M +6.5% YoY+4.6% QoQ	+$100.8M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	82%

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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	1.6% +118.2% YoY-14.0% QoQ	+0.8%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Top 10.2% in tier
NIM	4.2% +5.7% YoY-2.1% QoQ	+0.6%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	84%
Efficiency Ratio	72.7% -4.5% YoY+2.3% QoQ	-4.6%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	33%
Delinquency Rate	0.2% -28.9% YoY-8.6% QoQ	-0.6	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	Bottom 14.7% in tier
Loan To Share	98.9% -0.6% YoY-0.8% QoQ	+26.2%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	Top 3.4% in tier
AMR	$20,295 +3.7% YoY+3.2% QoQ	$-4K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	37%
CD Concentration	14.9% -21.2% YoY-11.3% QoQ	-9.5%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	38.2% -12.3% YoY-5.7% QoQ	+24.2%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#230 of 603 • Top 12.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.36%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.57%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 38.16%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth

#127 of 340 • Top 37.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.85% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Credit Quality Leader

growth

#191 of 340 • Top 56.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.25%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.10% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (2)

Indirect Auto Dependency

risk

#131 of 525 • Bottom 8.1% in tier

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

Why This Signature

Asset Growth (YoY): 5.50%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 38.16%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.36%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk

#70 of 258 • Bottom 8.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.88%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.86%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.88%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $297.74M

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

Total Members

engagement

Value: 29,507

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

110

Return on Assets (ROA)

profitability

Value: 1.57%

Peer Avg: -

#110 of 1077 Top 10.1% in 100M-500M tier

159

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

177

Net Interest Margin (NIM)

profitability

Value: 4.21%

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

198

Total Deposits

balance_sheet

Value: $301.10M

Peer Avg: -

#198 of 1077 Top 18.3% in 100M-500M tier

200

Fee Income Per Member

profitability

Value: $231.43

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

200

Total Assets

balance_sheet

Value: $346.57M

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

219

First Mortgage Concentration (%)

balance_sheet

Value: 14.96%

Peer Avg: -

#219 of 1077 Top 20.2% in 100M-500M tier

Top Weaknesses (1 metrics)

974

Indirect Auto Concentration (%)

balance_sheet

Value: 38.16%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier