BEACON FINANCIAL
Charter #67776 · Johnson City, TN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.54% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.11% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.57% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.56% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 25th — a 32-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.30M | 57th pct | 25th pct |
| Members | 2,169 | 53th pct | 39th pct |
| Net worth ratio | 7.54% | 3th pct | 3th pct |
| Return on average assets | -0.11% | 15th pct | 16th pct |
| Net interest margin | 3.67% | 41th pct | 51th pct |
| Cost of funds | 1.76% | 84th pct | 66th pct |
| Loan-to-share | 88.66% | 93th pct | 69th pct |
| Delinquency 60+ days | 0.72% | 57th pct | 49th pct |
| Net charge-off ratio | 0.57% | 74th pct | 85th pct |
| Loan growth YoY | -4.34% | 35th pct | 15th pct |
| Share growth YoY | -2.50% | 11th pct | 18th pct |
| Efficiency ratio | 99.56% | 88th pct | 82th pct |
structural peer set hash: 811791d0e8102d2b00dfbe0855e94a7e… (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.