Beacon Financial
Johnson City, TN · Charter 67776 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$27.9MAssets
$23.2MLoans
$26.0MShares
$2.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 51% of credit unions under $1B in assets (rank 817 of 1683).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1642 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.04%
Rank 1,465 of 1,683
Net Interest Margin
3.85%
Rank 817 of 1,683
Efficiency Ratio
97.38%
Rank 1,535 of 1,682
Equity / Assets
7.70%
Rank 1,642 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.04% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,465 / 1,683 | | |
| Return on Equity | 0.56% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,455 / 1,681 | | |
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 51% | 817 / 1,683 | | |
| Efficiency Ratio | 97.38% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,535 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.39% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,293 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.70% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,642 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.70% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,642 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.98% | 52.61% | 69.38% | 83.50% | 85th pctl | 260 / 1,683 | | |
| Loans / Assets | 83.10% | 44.71% | 59.18% | 70.72% | 95th pctl | 78 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |