Beacon Credit Union, Incorporated
Lynchburg, VA · Charter 66965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$391.6MAssets
$341.3MLoans
$342.0MShares
$43.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets (rank 301 of 1681).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1149 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.08%
Rank 507 of 1,683
Net Interest Margin
4.00%
Rank 668 of 1,683
Efficiency Ratio
74.73%
Rank 664 of 1,682
Equity / Assets
11.02%
Rank 1,149 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.35% | 0.74% | 1.18% | Beats 70% | 507 / 1,683 | | |
| Return on Equity | 9.82% | 2.67% | 5.89% | 8.74% | Beats 82% | 301 / 1,681 | | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 668 / 1,683 | | |
| Efficiency Ratio | 74.73% | 68.91% | 78.20% | 86.93% | Beats 61% | 664 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 381 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,149 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,149 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 99.80% | 52.61% | 69.38% | 83.50% | 96th pctl | 59 / 1,683 | | |
| Loans / Assets | 87.15% | 44.71% | 59.18% | 70.72% | 99th pctl | 24 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |