BlastPoint's Credit Union Scorecard
BEACON FINANCIAL
Charter #67776 · TN
BEACON FINANCIAL has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 8.93% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Net Worth Ratio: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,169
-2.1% YoY+0.1% QoQ
|
-507 |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$28.3M
-11.1% YoY+0.1% QoQ
|
$-1.9M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$23.4M
-7.1% YoY+1.5% QoQ
|
+$8.1M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$26.3M
-8.3% YoY-1.7% QoQ
|
+$565K |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA | -0.1% | -0.3% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.7%
-3.2% YoY-8.0% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
99.6%
-0.7% YoY-4.2% QoQ
|
+8.9% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
0.7%
+130.9% YoY-66.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
88.7%
+1.2% YoY+3.2% QoQ
|
+30.2% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 9.2% in tier |
| AMR |
$22,918
-5.8% YoY-0.4% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 12.7% in tier |
| CD Concentration |
19.6%
-15.4% YoY+0.8% QoQ
|
-4.7% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-40.6% YoY-19.6% QoQ
|
-13.8% | 13.8% | 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)