BlastPoint's Credit Union Scorecard
BEACON FINANCIAL
Charter #67776 · TN
BEACON FINANCIAL has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 8.62% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 6.9% 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 84 that size in Tennessee.
- Shares and deposits -10.3% year over year ($26.0M in shares and deposits).
- Membership: 2,163 members, -1.9% vs a year ago.
- Delinquency rate 1.39%.
- Return on assets 0.04%.
- Efficiency ratio 97.38% vs a 88.77% peer average.
- Loan-to-share ratio 88.99% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,163
-1.9% YoY-0.3% QoQ
|
-422 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$27.9M
-13.1% YoY-1.5% QoQ
|
$-2.4M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$23.2M
-7.8% YoY-0.8% QoQ
|
+$7.7M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$26.0M
-10.3% YoY-1.2% QoQ
|
+$232K |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.0%
-134.1% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Bottom 2.7% in tier |
| NIM |
3.8%
+6.2% YoY+4.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
97.4%
-4.5% YoY-2.2% QoQ
|
+8.6% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.4%
+682.9% YoY+92.5% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
89.0%
+2.8% YoY+0.4% QoQ
|
+30.1% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 10.2% in tier |
| AMR |
$22,747
-7.3% YoY-0.7% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.7% in tier |
| CD Concentration |
19.4%
-28.1% YoY-1.0% QoQ
|
-5.1% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-46.8% YoY
|
-13.6% | 13.6% | 6.8% | 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)