Beacon Credit Union, Incorporated

Lynchburg, VA · 2 · Charter #66965 · www.mybcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$369.6M
34th percentile
Members
29,575
52th percentile
Total loans
$317.0M
54th percentile
Total shares
$257.1M
16th percentile

Profitability

Return on assets
1.67%
88th percentile
Net interest margin
3.93%
78th percentile
Efficiency ratio
57.35%
59th percentile
Non-interest income ratio
27.68%
89th percentile

Capital & Risk

Net worth ratio
11.10%
53th percentile
Delinquency rate
0.23%
91th percentile
Net charge-off rate
0.38%
55th percentile
Loan-to-share
123.29%
99th percentile

Growth

Member growth YoY
3.45%
80th percentile
Asset growth YoY
11.13%
90th percentile
Loan growth YoY
12.37%
88th percentile
Share growth YoY
3.23%
37th percentile

Operations

Members / branch
2,958
15th percentile
Assets / member
$12,497
16th percentile
Field of membership penetration
3.66%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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