Beacon Financial

Johnson City, TN · 2 · Charter #67776 · www.beaconfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$28.3M
75th percentile
Members
2,166
70th percentile
Total loans
$23.0M
92th percentile
Total shares
$21.4M
70th percentile

Profitability

Return on assets
-0.24%
11th percentile
Net interest margin
4.04%
52th percentile
Efficiency ratio
78.19%
27th percentile
Non-interest income ratio
22.42%
87th percentile

Capital & Risk

Net worth ratio
7.58%
4th percentile
Delinquency rate
2.15%
23th percentile
Net charge-off rate
0.08%
63th percentile
Loan-to-share
107.43%
96th percentile

Growth

Member growth YoY
-0.64%
59th percentile
Asset growth YoY
0.29%
44th percentile
Loan growth YoY
-6.79%
34th percentile
Share growth YoY
-9.17%
9th percentile

Operations

Members / branch
1,083
50th percentile
Assets / member
$13,050
77th percentile
Field of membership penetration
14.44%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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