BlastPoint's Credit Union Scorecard
BEACON FINANCIAL
Charter #67776 · TN
BEACON FINANCIAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Efficiency ratio 22.94% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.9% in tier
- - First Mortgage Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,185
+0.2% YoY-1.0% QoQ
|
-440 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$28.9M
-6.0% YoY-9.8% QoQ
|
$-913K |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$24.4M
-5.4% YoY-2.8% QoQ
|
+$8.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$27.0M
-1.9% YoY-6.9% QoQ
|
+$1.6M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
-0.1%
-103.8% YoY-43403.6% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.9% in tier |
| NIM |
3.8%
-5.2% YoY+4.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
104.3%
+65.8% YoY+2.4% QoQ
|
+22.9% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Top 8.7% in tier |
| Delinquency Rate |
0.3%
-67.6% YoY+73.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
90.4%
-3.6% YoY+4.3% QoQ
|
+29.1% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 10.6% in tier |
| AMR |
$23,545
-3.8% YoY-4.1% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 10.7% in tier |
| CD Concentration |
21.9%
-21.1% YoY-19.0% QoQ
|
-2.5% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.1%
-31.7% YoY-11.3% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)