Beacon Community
Louisville, KY · Charter 60883 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$72.1MAssets
$29.1MLoans
$62.9MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets (rank 613 of 1682).
- Widest gap: return on equity trails 87% of credit unions under $1B in assets (rank 1470 of 1681).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.03%
Rank 1,469 of 1,683
Net Interest Margin
3.28%
Rank 1,283 of 1,683
Efficiency Ratio
88.16%
Rank 1,312 of 1,682
Equity / Assets
12.29%
Rank 950 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.03% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,469 / 1,683 | | |
| Return on Equity | 0.25% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,470 / 1,681 | | |
| Net Interest Margin | 3.28% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,283 / 1,683 | | |
| Efficiency Ratio | 88.16% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,312 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 64% | 613 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.29% | 10.44% | 12.89% | 16.53% | Beats 44% | 950 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.29% | 10.44% | 12.89% | 16.53% | Beats 44% | 950 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.17% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,386 / 1,683 | | |
| Loans / Assets | 40.32% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,359 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |