BlastPoint's Credit Union Scorecard
BEACON
Charter #82791 · IN
BEACON has 13 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 7.8% in tier
- + Organic Growth Engine: Top 21.5% in tier
- + Relationship Depth Leader: Top 60.9% in tier
- + Strong member growth: 13.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Total Delinquency Rate (60+ days): Top 2.0% 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 3.3% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 5.0% in tier
- + Loan Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 73.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 10.08% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,139
+13.3% YoY+1.6% QoQ
|
-43.3K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 9.9% in tier |
| Assets |
$1.8B
+15.8% YoY+3.8% QoQ
|
+$43.4M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$1.2B
+15.3% YoY+1.5% QoQ
|
$-11.0M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$1.5B
+21.5% YoY+5.5% QoQ
|
+$15.3M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
60% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+52.1% YoY+40.4% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
2.5%
+17.2% YoY+4.7% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio |
84.1%
-6.1% YoY-3.5% QoQ
|
+10.1% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
0.1%
-35.8% YoY-62.7% QoQ
|
-0.8 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
83.0%
-5.1% YoY-3.8% QoQ
|
-1.8% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$49,835
+4.7% YoY+2.0% QoQ
|
+$20K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 3.0% in tier |
| CD Concentration |
31.7%
-4.6% YoY-6.1% QoQ
|
+2.7% | 29.0% | 19.3% | 19.8% | 64% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 10.7% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)