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Beacon

Wabash, IN · Charter 82791

NCUA · 26 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

84

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beacon

Wabash, IN · Charter 82791

NCUA · 26 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.4BShares
$238.5MNet 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 0.68%, up 45 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.47% of loans (+24 bps YoY).
  • Capital: net worth / assets of 13.52%, up 32 bps from a year ago.
  • Funding: loans stand at 89.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+45 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+58 bps YoY

Efficiency Ratio (YTD, annualized)

78.03%-1,063 bps YoY

Net Worth / Assets

13.52%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.32%0.44%0.58%0.68%+45 bps
Return on Equity1.79%2.39%3.34%4.38%5.06%+326 bps
Net Interest Margin2.27%2.44%2.49%2.78%2.85%+58 bps
Efficiency Ratio88.66%87.18%84.14%80.00%78.03%-1,063 bps
Growth
Asset Growth (YoY)14.49%11.34%15.78%15.23%2.67%-1,182 bps
Loan Growth (YoY)17.19%16.48%15.30%14.47%6.24%-1,095 bps
Share Growth (YoY)14.31%15.97%21.54%18.75%1.70%-1,261 bps
Asset Quality
Delinquent Loans / Loans0.24%0.28%0.10%0.61%0.47%+24 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 Capital13.19%13.44%13.16%13.30%13.52%+32 bps
Net Worth / Assets13.19%13.44%13.16%13.30%13.52%+32 bps
Liquidity & Funding
Loans / Shares85.28%86.26%82.96%82.46%89.09%+381 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beacon

Wabash, IN · Charter 82791 · Peer group: credit unions $1B-$10B in assets (n=435)

NCUA · 26 branches

Q2 2026

$1.8BAssets
$1.3BLoans
$1.4BShares
$238.5MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 84% of credit unions $1B-$10B in assets (rank 69 of 435).
  • Widest gap: net interest margin trails 83% of credit unions $1B-$10B in assets (rank 362 of 435).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.68%

Rank 281 of 435

Net Interest Margin

2.85%

Rank 362 of 435

Efficiency Ratio

78.03%

Rank 332 of 435

Equity / Assets

13.52%

Rank 69 of 435

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.55%0.81%1.14%Beats 35%281 / 435
Return on Equity5.06%5.12%7.41%9.70%Beats 24%329 / 435
Net Interest Margin2.85%3.01%3.39%3.75%Beats 17%362 / 435
Efficiency Ratio78.03%65.25%71.39%77.86%Beats 24%332 / 435
Asset Quality
Nonperforming Loans / Loans0.47%0.45%0.69%1.05%Beats 72%122 / 435
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.52%9.81%10.84%12.63%Beats 84%69 / 435
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.52%9.81%10.84%12.63%Beats 84%69 / 435
Liquidity & Funding
Loans / Deposits89.09%78.33%88.38%95.61%53rd pctl204 / 435
Loans / Assets71.91%67.69%74.58%80.80%39th pctl266 / 435
Brokered Deposits / Depositsn/aNot reported for this institution