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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.55% | 0.81% | 1.14% | Beats 35% | 281 / 435 | | |
| Return on Equity | 5.06% | 5.12% | 7.41% | 9.70% | Beats 24% | 329 / 435 | | |
| Net Interest Margin | 2.85% | 3.01% | 3.39% | 3.75% | Beats 17% | 362 / 435 | | |
| Efficiency Ratio | 78.03% | 65.25% | 71.39% | 77.86% | Beats 24% | 332 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 72% | 122 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 9.81% | 10.84% | 12.63% | Beats 84% | 69 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.52% | 9.81% | 10.84% | 12.63% | Beats 84% | 69 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.09% | 78.33% | 88.38% | 95.61% | 53rd pctl | 204 / 435 | | |
| Loans / Assets | 71.91% | 67.69% | 74.58% | 80.80% | 39th pctl | 266 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |