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Letter portraitLegal landscapeQuarterYTD

Beacon Credit Union, Incorporated

Lynchburg, VA · Charter 66965

NCUA · 11 branches

Q2 2026

$391.6MAssets
$341.3MLoans
$342.0MShares
$43.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.08%, down 74 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.24% of loans (-4 bps YoY).
  • Capital: net worth / assets of 11.02%, down 50 bps from a year ago.
  • Funding: loans stand at 99.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.08%-74 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-28 bps YoY

Efficiency Ratio (YTD, annualized)

74.73%+367 bps YoY

Net Worth / Assets

11.02%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.81%1.12%1.82%1.54%1.58%0.72%1.08%-74 bps
Return on Equity6.85%7.67%10.18%15.80%13.60%14.19%6.51%9.82%-598 bps
Net Interest Margin3.95%3.97%4.17%4.28%4.12%3.93%3.98%4.00%-28 bps
Efficiency Ratio76.15%75.18%78.38%71.05%72.70%70.55%79.40%74.73%+367 bps
Growth
Asset Growth (YoY)6.95%9.38%4.55%2.67%5.50%11.13%14.94%18.03%+1,536 bps
Loan Growth (YoY)9.96%9.55%4.68%3.28%5.86%12.37%16.14%19.00%+1,573 bps
Share Growth (YoY)7.21%10.10%6.30%3.44%6.48%12.55%15.48%18.82%+1,538 bps
Asset Quality
Delinquent Loans / Loans0.35%0.27%0.18%0.27%0.25%0.23%0.17%0.24%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.43%10.59%10.98%11.52%11.31%11.10%11.03%11.02%-50 bps
Net Worth / Assets10.43%10.59%10.98%11.52%11.31%11.10%11.03%11.02%-50 bps
Liquidity & Funding
Loans / Shares99.46%98.52%98.23%99.64%98.88%98.36%98.79%99.80%+15 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps