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Beacon Financial

Johnson City, TN · Charter 67776

NCUA · 3 branches

Q2 2026

$27.9MAssets
$23.2MLoans
$26.0MShares
$2.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.04%, up 4 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 1.39% of loans (+121 bps YoY).
  • Capital: net worth / assets of 7.70%, down 249 bps from a year ago.
  • Funding: loans stand at 88.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+27 bps YoY

Efficiency Ratio (YTD, annualized)

97.38%-454 bps YoY

Net Worth / Assets

7.70%-249 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%-0.11%0.00%-0.11%0.04%+4 bps
Return on Equity0.00%-1.42%0.05%-1.52%0.51%+51 bps
Net Interest Margin3.58%3.97%4.04%3.67%3.85%+27 bps
Efficiency Ratio101.92%104.34%103.94%99.56%97.38%-454 bps
Growth
Asset Growth (YoY)5.27%-6.02%0.29%-11.10%-13.09%-1,835 bps
Loan Growth (YoY)-1.87%-5.40%-6.79%-7.13%-7.81%-594 bps
Share Growth (YoY)3.35%-1.87%4.95%-8.26%-10.28%-1,363 bps
Asset Quality
Delinquent Loans / Loans0.18%0.31%2.15%0.72%1.39%+121 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.19%7.44%7.58%7.54%7.70%-249 bps
Net Worth / Assets10.19%7.44%7.58%7.54%7.70%-249 bps
Liquidity & Funding
Loans / Shares86.60%90.37%85.89%88.66%88.99%+239 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps