BEACON COMMUNITY
Charter #60883 · Louisville, KY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,909 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.36% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.61% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.61% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.92% sits at the 80th percentile of structural peers — worth a closer look.
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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.68M | 49th pct | 49th pct |
| Members | 8,909 | 91th pct | 90th pct |
| Net worth ratio | 12.42% | 46th pct | 57th pct |
| Return on average assets | -0.36% | 7th pct | 5th pct |
| Net interest margin | 3.38% | 31th pct | 43th pct |
| Cost of funds | 0.61% | 29th pct | 25th pct |
| Loan-to-share | 49.44% | 29th pct | 54th pct |
| Delinquency 60+ days | 0.22% | 22th pct | 31th pct |
| Net charge-off ratio | 2.61% | 99th pct | 98th pct |
| Loan growth YoY | -8.07% | 5th pct | 0th pct |
| Share growth YoY | 3.45% | 59th pct | 59th pct |
| Efficiency ratio | 88.92% | 77th pct | 80th pct |
structural peer set hash: e27c7dd8bfa38f7f5f8f1a2f0022bcd5… (reproducible)
Closest structural peers
This is the free public view
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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.