BlastPoint's Credit Union Scorecard
BEACON FINANCIAL
Charter #67776 · TN
BEACON FINANCIAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.04% above tier average
- + Fee Income Per Member: Top 4.5% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 21.39% above tier (higher cost structure)
- - Delinquency rate 0.60% above tier average
- - Net Worth Ratio: Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,166
-0.6% YoY-0.9% QoQ
|
-449 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$28.3M
+0.3% YoY-2.3% QoQ
|
$-1.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$23.0M
-6.8% YoY-5.7% QoQ
|
+$7.3M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$26.8M
+4.9% YoY-0.8% QoQ
|
+$1.1M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
0.0%
-99.8% YoY-103.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.0%
-1.5% YoY+6.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
103.9%
+49.5% YoY-0.4% QoQ
|
+21.4% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
2.2%
+94.6% YoY+597.6% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
85.9%
-11.2% YoY-5.0% QoQ
|
+25.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 14.4% in tier |
| AMR |
$23,008
-0.2% YoY-2.3% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 12.0% in tier |
| CD Concentration |
19.5%
-26.8% YoY-11.1% QoQ
|
-5.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-35.5% YoY-7.6% QoQ
|
-13.7% | 13.8% | 6.7% | 7.8% | 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)