BEACON
Charter #82791 | IN
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
11 1B-3B in IN
BEACON has 15 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.3% in tier
- + Relationship Depth Leader: Top 5.3% in tier
- + Organic Growth Engine: Top 9.7% in tier
- + Emerging Performer: Top 13.8% in tier
- + Wallet Share Momentum: Top 19.8% 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
- - Growth-at-Risk: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 10.2% in tier
- - Efficiency Drag: Bottom 10.3% in tier
- - Liquidity Overhang: Bottom 14.3% 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
|
58th in tier |
| 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
|
59th in tier |
| 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
|
56th in tier |
| 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
|
Bottom 15.5% in tier |
| 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
|
45th in tier |
| 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%
+0.8% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
73rd in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-2.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (5)
Organic Growth Leader
growth
#10 of 138 • Top 2.3% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
11.73%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#39 of 264 • Top 5.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.01%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$5.9K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
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%)
Return on Assets:
0.32%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank improving
Emerging Performer
growth
#74 of 184 • Top 13.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.32%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
11.73%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#144 of 264 • Top 19.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.01%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
Concerns (4)
Growth-at-Risk
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%)
Delinquency Change (YoY):
0.17% points
(Tier:
0.07% points, National:
0.07% points)
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)
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:
73.45%, National:
79.10%)
ROA Change (YoY):
0.06% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
11.73%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#47 of 113 • Bottom 14.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.44%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
86.26%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 18.32%
#1 of 304
Top 0.0% in 1B-3B tier
4
Net Charge-Off Rate
risk
Value:
0.03%
Peer Avg: 0.60%
#4 of 304
Top 1.0% in 1B-3B tier
8
Loan-to-Member Ratio (LMR)
engagement
Value:
$22,627
Peer Avg: $13,213
#8 of 304
Top 2.3% in 1B-3B tier
9
Average Member Relationship (AMR)
engagement
Value:
$48,858
Peer Avg: $29,172
#9 of 304
Top 2.6% in 1B-3B tier
10
Member Growth Rate
growth
Value:
11.73%
Peer Avg: 2.20%
#10 of 304
Top 3.0% in 1B-3B tier
13
Deposit Growth Rate
growth
Value:
15.97%
Peer Avg: 5.58%
#13 of 304
Top 3.9% in 1B-3B tier
17
Loan Growth Rate
growth
Value:
16.48%
Peer Avg: 5.27%
#17 of 304
Top 5.3% in 1B-3B tier
26
Asset Growth Rate
growth
Value:
11.34%
Peer Avg: 4.83%
#26 of 304
Top 8.2% in 1B-3B tier
31
Total Delinquency Rate (60+ days)
risk
Value:
0.28%
Peer Avg: 0.83%
#31 of 304
Top 9.9% in 1B-3B tier
45
Net Worth Ratio
risk
Value:
13.44%
Peer Avg: 11.44%
#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: 364.953
#304 of 304
Bottom 0.3% in 1B-3B tier
291
Efficiency Ratio
profitability
Value:
87.18%
Peer Avg: 73.97%
#291 of 304
Bottom 4.6% in 1B-3B tier
283
Net Interest Margin (NIM)
profitability
Value:
2.43%
Peer Avg: 3.26%
#283 of 304
Bottom 7.2% in 1B-3B tier
278
Total Members
engagement
Value:
53,277
Peer Avg: 98,678
#278 of 304
Bottom 8.9% in 1B-3B tier
257
Return on Assets (ROA)
profitability
Value:
0.32%
Peer Avg: 0.70%
#257 of 304
Bottom 15.8% in 1B-3B tier