| Metric | Beacon Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +5.1% | +10.1 pts |
| Share growth (YoY) | +18.8% | +4.9% | +13.9 pts |
| Loan growth (YoY) | +14.5% | +5.4% | +9.0 pts |
| ROA | 0.58% | 0.71% | -0.1 pts |
| ROE | 4.4% | 6.3% | -1.9 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.77B | $1.47B | $1.21B | $235.0M | $2.6M | 0.58% | 2.78% | 0.61% | 54,371 |
| Q4 2025 | $1.77B | $1.47B | $1.22B | $232.5M | $7.8M | 0.44% | 2.49% | 0.10% | 54,139 |
| Q3 2025 | $1.70B | $1.40B | $1.21B | $228.8M | $4.1M | 0.32% | 2.44% | 0.28% | 53,277 |
| Q2 2025 | $1.72B | $1.40B | $1.19B | $226.7M | $2.0M | 0.24% | 2.27% | 0.24% | 50,671 |
| Q1 2025 | $1.53B | $1.24B | $1.06B | $225.6M | $912K | 0.24% | 2.35% | 0.47% | 48,010 |
| Q4 2024 | $1.53B | $1.21B | $1.06B | $224.7M | $4.5M | 0.29% | 2.17% | 0.16% | 47,794 |
| Q3 2024 | $1.53B | $1.21B | $1.03B | $223.1M | $3.0M | 0.26% | 2.13% | 0.10% | 47,685 |
| Q2 2024 | $1.50B | $1.23B | $1.02B | $222.1M | $1.9M | 0.25% | 2.12% |
| Ratio | Beacon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.71% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 47,626 |
Loan mix (Q1 2026): real estate $290.9M · commercial $869.3M · consumer $43.1M · securities $343.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 73.0% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Beacon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Beacon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Beacon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Beacon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.