Beacon Credit Union Wabash, Indiana
Beacon Credit Union is a state-chartered credit union headquartered in Wabash, IN, established in 1931 (NCUA charter 82791), and it is regulated and insured by the NCUA. At Q2 2026 it reported 54,434 members and total assets of $1.76B (up 2.7% from Q2 2025), the 11th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 13.52% at Q2 2026, in the well capitalized band.
Also written as Beacon CU · Trade names filed with the NCUA: Beacon Trust Services, Beacon Investment Services and Beacon Ag Group
BankRegReports is independent of Beacon Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 82791
- Headquarters
- Wabash, IN
- Established
- 1931
- Total assets, Q2 2026
- $1.76B
- Assets vs Q2 2025
- +2.7%
- Members, Q2 2026
- 54,434
- Net worth ratio, Q2 2026
- 13.52%
- Latest call report
- Q2 2026, NCUA 5300 · Beacon Credit Union call report
- Asset rank in state
- 11th of 118 in Indiana
- Routing number
- 274976151
- Branches
- 23
It has 3,763 more members than on June 30, 2025 (+7.4%). Its net worth ratio was up 0.33 percentage points from 13.19% on June 30, 2025. Commercial loans are its largest loan category, $913.4M of $1.27B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.47% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.52% net worth ratio is above that band's 10.89% median.
Frequently asked about Beacon Credit Union
How big is Beacon Credit Union?
At Q2 2026 it reported total assets of $1.76B and 54,434 members.
Where is Beacon Credit Union headquartered?
It is headquartered in Wabash, IN, United States.
When was Beacon Credit Union founded?
It was established in 1931, per NCUA records.
Is Beacon Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 82791): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Beacon Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Beacon Credit Union well capitalized?
Its net worth ratio was 13.52% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Beacon Credit Union's delinquency ratio?
Its delinquency ratio was 0.47% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Beacon Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 89.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wabash, IN 46992
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 82791
- RSSD ID
- 472698
- Members
- 54,434
- Potential members
- 2,334,705
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.52% | 10.89% | 82nd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.78% | 0.89% | 41st below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.79% | 8.07% | 29th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.92% | 3.45% | 21st bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 76.22% | 70.59% | 29th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.49% | 1.68% | 65th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.47% | 0.68% | 73rd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.42% | 5.12% | 11th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 89.09% | 88.03% | 54th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.76B total assets against $1.72B; $1.42B total shares and deposits against $1.40B; $1.27B total loans against $1.19B.
$238.5M net worth against $226.7M.
13.52% net worth ratio against 13.19%.
89.09% loan-to-share ratio against 85.28%.
0.47% delinquency ratio against 0.24%.
0.78% return on assets against 0.26%; 5.79% return on equity against 1.98%.
2.92% net interest margin against 2.45%.
54,434 members against 50,671.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.52% | 0.78% | 0.47% | 89.09% |
| March 31, 2026 | 13.30% | 0.58% | 0.61% | 82.46% |
| December 31, 2025 | 13.16% | 0.83% | 0.10% | 82.96% |
| September 30, 2025 | 13.44% | 0.48% | 0.28% | 86.26% |
| June 30, 2025 | 13.19% | 0.26% | 0.24% | 85.28% |
| March 31, 2025 | 14.70% | 0.24% | 0.47% | 85.54% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.