BlastPoint's Credit Union Scorecard
BEACON
Charter #82791 · IN
BEACON has 8 strengths but faces 5 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 5.3% in tier
- + Organic Growth Engine: Top 5.3% in tier
- + Relationship Depth Leader: Top 50.3% in tier
- + Emerging Performer: Top 59.0% in tier
- + Strong member growth: 13.2% YoY
- + Net Charge-Off Rate: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.0% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.5% in tier
- - Credit Quality Pressure: Bottom 25.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 5.37% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,371
+13.2% YoY+0.4% QoQ
|
-41.7K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Bottom 10.1% in tier |
| Assets |
$1.8B
+15.2% YoY+0.1% QoQ
|
+$47.9M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$1.2B
+14.5% YoY-1.1% QoQ
|
$-3.9M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$1.5B
+18.7% YoY-0.5% QoQ
|
+$1.7M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
0.6%
+144.6% YoY+30.0% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
2.8%
+17.8% YoY+9.4% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
80.0%
-11.7% YoY-4.9% QoQ
|
+5.4% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.6%
+31.6% YoY+496.2% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
82.5%
-3.6% YoY-0.6% QoQ
|
-0.7% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$49,237
+3.1% YoY-1.2% QoQ
|
+$20K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 2.6% in tier |
| CD Concentration |
31.8%
-3.6% YoY+0.4% QoQ
|
+3.0% | 28.8% | 18.9% | 19.8% | 65% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 10.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)