BEACON CREDIT UNION, INCORPORATED
Charter #66965 · Lynchburg, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.43% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.42% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 33rd — a 40-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 CREDIT UNION, INCORPORATED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $378.24M | 86th pct | 67th pct |
| Members | 29,761 | 93th pct | 70th pct |
| Net worth ratio | 11.74% | 54th pct | 62th pct |
| Return on average assets | 0.73% | 52th pct | 48th pct |
| Net interest margin | 4.03% | 73th pct | 33th pct |
| Cost of funds | 0.43% | 17th pct | 13th pct |
| Loan-to-share | 98.79% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 3th pct |
| Net charge-off ratio | 0.42% | 56th pct | 16th pct |
| Loan growth YoY | 9.52% | 97th pct | 98th pct |
| Share growth YoY | 9.62% | 96th pct | 93th pct |
| Efficiency ratio | 79.40% | 53th pct | 62th pct |
structural peer set hash: 2bd6498a99507b7bf8448ba87265b454… (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.