BEACON
Charter #6062 · La Porte, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.73% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.06% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.53% sits at the 92nd percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 59th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BEACON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $209.06M | 54th pct | 61th pct |
| Members | 14,204 | 55th pct | 59th pct |
| Net worth ratio | 8.73% | 11th pct | 10th pct |
| Return on average assets | 0.06% | 10th pct | 10th pct |
| Net interest margin | 3.46% | 37th pct | 41th pct |
| Cost of funds | 0.93% | 35th pct | 59th pct |
| Loan-to-share | 50.71% | 13th pct | 20th pct |
| Delinquency 60+ days | 0.23% | 16th pct | 20th pct |
| Net charge-off ratio | 0.52% | 67th pct | 52th pct |
| Loan growth YoY | -2.89% | 18th pct | 33th pct |
| Share growth YoY | 4.91% | 70th pct | 70th pct |
| Efficiency ratio | 93.53% | 91th pct | 92th pct |
structural peer set hash: c8c783aec0c308866c2c32f8cded13ee… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.