BlastPoint's Credit Union Scorecard

BEACON

Charter #82791 · IN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 11 in IN

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BEACON has 14 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 2.3% in tier
+ Organic Growth Engine: Top 9.7% in tier
+ Credit Quality Leader: Top 42.5% in tier
+ Relationship Depth Leader: Top 56.1% in tier
+ Strong member growth: 11.7% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 1.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.3% in tier
+ Average Member Relationship (AMR): Top 2.6% in tier
+ Member Growth Rate: Top 3.0% in tier
+ Deposit Growth Rate: Top 3.9% in tier
+ Loan Growth Rate: Top 5.3% in tier
+ Asset Growth Rate: Top 8.2% in tier
+ Total Delinquency Rate (60+ days): Top 9.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.1% in tier
- Credit Quality Pressure: Bottom 10.2% in tier
- Efficiency Drag: Bottom 10.3% in tier
- ROA 0.39% below tier average
- Efficiency ratio 13.21% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.3% in tier
- Net Interest Margin (NIM): Bottom 7.2% in tier
- Total Members: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	53,277 +11.7% YoY+5.1% QoQ	-45.4K	98,678 -1.9% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	Bottom 8.6% in tier
Assets	$1.7B +11.3% YoY-0.9% QoQ	$-17.2M	$1.7B +0.5% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	58%
Loans	$1.2B +16.5% YoY+0.9% QoQ	$-27.6M	$1.2B +0.5% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	59%
Deposits	$1.4B +16.0% YoY-0.2% QoQ	$-56.8M	$1.5B +1.3% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	56%

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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	0.3% +22.9% YoY+27.7% QoQ	-0.4%	0.7% +13.4% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	16%
NIM	2.4% +13.0% YoY+1.0% QoQ	-0.8%	3.3% +9.3% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	Bottom 6.9% in tier
Efficiency Ratio	87.2% -4.0% YoY-1.7% QoQ	+13.2%	74.0% -10.9% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	Top 4.6% in tier
Delinquency Rate	0.3% +170.2% YoY+15.6% QoQ	-0.6	0.8% +6.1% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	Bottom 9.9% in tier
Loan To Share	86.3% +0.4% YoY+1.1% QoQ	+1.1%	85.2% -0.8% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	45%
AMR	$48,858 +4.0% YoY-4.6% QoQ	+$20K	$29,172 +2.8% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	Top 3.0% in tier
CD Concentration	33.7% +4.1% YoY+3.0% QoQ	+4.8%	29.0% +0.7% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	73%
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#10 of 138 • Top 2.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.73%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth

#71 of 246 • Top 9.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.73%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.32%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Credit Quality Leader

growth

#41 of 95 • Top 42.5% in tier

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

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.17% points

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

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#38 of 67 • Top 56.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.01%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.9K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#18 of 161 • Bottom 3.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 16.48%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#79 of 217 • Bottom 10.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Efficiency Drag

risk

#35 of 96 • Bottom 10.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.18%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 11.73%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,627

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $48,858

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Member Growth Rate

growth

Value: 11.73%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 15.97%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 16.48%

Peer Avg: -

#17 of 304 Top 5.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.34%

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#31 of 304 Top 9.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.44%

Peer Avg: -

#45 of 304 Top 14.5% in 1B-3B tier

Top Weaknesses (5 metrics)

304

Members Per Employee (MPE)

engagement

Value: 169.133

Peer Avg: -

#304 of 304 Bottom 0.3% in 1B-3B tier

291

Efficiency Ratio

profitability

Value: 87.18%

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

283

Net Interest Margin (NIM)

profitability

Value: 2.43%

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

278

Total Members

engagement

Value: 53,277

Peer Avg: -

#278 of 304 Bottom 8.9% in 1B-3B tier

257

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Avg: -

#257 of 304 Bottom 15.8% in 1B-3B tier