BEACON
Charter #82791 · Wabash, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.30% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 38th — a 31-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 | $1.77B | 40th pct | 62th pct |
| Members | 54,371 | 7th pct | 38th pct |
| Net worth ratio | 13.30% | 85th pct | 87th pct |
| Return on average assets | 0.58% | 38th pct | 46th pct |
| Net interest margin | 2.78% | 17th pct | 34th pct |
| Cost of funds | 1.79% | 51th pct | 49th pct |
| Loan-to-share | 82.46% | 38th pct | 23th pct |
| Delinquency 60+ days | 0.61% | 48th pct | 49th pct |
| Net charge-off ratio | 0.01% | 0th pct | 0th pct |
| Loan growth YoY | 0.36% | 32th pct | 38th pct |
| Share growth YoY | 4.99% | 64th pct | 64th pct |
| Efficiency ratio | 80.00% | 78th pct | 62th pct |
structural peer set hash: d4396cf114a31ae988f9f946e2a16e2f… (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.