PackageTrendsPeer
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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 (quarter, annualized)

0.68%+45 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+58 bps YoY

Efficiency Ratio (quarter, annualized)

78.03%-1,063 bps YoY

Net Worth / Assets

13.52%+32 bps YoY

Discrete quarter, annualized.

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