Beacon Credit Union Incorporated Lynchburg, Virginia
Beacon Credit Union Incorporated is a state-chartered credit union headquartered in Lynchburg, VA, established in 1939 (NCUA charter 66965), and it is regulated and insured by the NCUA. At Q2 2026 it reported 30,270 members and total assets of $391.6M (up 18.0% from Q2 2025), the 27th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 11.60% at Q2 2026, in the well capitalized band.
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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
- 66965
- Headquarters
- Lynchburg, VA
- Established
- 1939
- Total assets, Q2 2026
- $391.6M
- Assets vs Q2 2025
- +18.0%
- Members, Q2 2026
- 30,270
- Net worth ratio, Q2 2026
- 11.60%
- Latest call report
- Q2 2026, NCUA 5300 · Beacon Credit Union Incorporated call report
- Asset rank in state
- 27th of 94 in Virginia
- Routing number
- 251481122
- Branches
- 11
It has 1,059 more members than on June 30, 2025 (+3.6%). Its net worth ratio was up 0.03 percentage points from 11.57% on June 30, 2025. Used vehicle loans are its largest loan category, $164.3M of $341.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.60% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Virginia
Credit unions merged into Beacon Credit Union Incorporated
Ncse Credit Union (2020) · Danville City Employees Federal Credit Union (2017) · Centra Health Credit Union (2015)
Frequently asked about Beacon Credit Union Incorporated
How big is Beacon Credit Union Incorporated?
At Q2 2026 it reported total assets of $391.6M and 30,270 members.
Where is Beacon Credit Union Incorporated headquartered?
It is headquartered in Lynchburg, VA, United States.
When was Beacon Credit Union Incorporated founded?
It was established in 1939, per NCUA records.
Is Beacon Credit Union Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66965): 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 Incorporated?
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 Incorporated well capitalized?
Its net worth ratio was 11.60% 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 Incorporated's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Beacon Credit Union Incorporated's loan-to-share ratio?
Its loan-to-share ratio was 99.80% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lynchburg, VA 24502
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 66965
- RSSD ID
- 1018897
- Members
- 30,270
- Potential members
- 807,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.60% | 11.43% | 52nd above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.47% | 0.81% | 83rd top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 13.35% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.16% | 3.70% | 77th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.45% | 76.55% | 70th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.49% | 1.24% | 30th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.24% | 0.68% | 87th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.65% | 4.92% | 85th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 99.80% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$391.6M total assets against $331.8M; $342.0M total shares and deposits against $287.8M; $341.3M total loans against $286.8M.
$43.2M net worth against $38.2M.
11.60% net worth ratio against 11.57%.
99.80% loan-to-share ratio against 99.64%.
0.24% delinquency ratio against 0.27%.
1.47% return on assets against 2.53%; 13.35% return on equity against 21.98%.
4.16% net interest margin against 4.43%.
30,270 members against 29,211.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.60% | 1.47% | 0.24% | 99.80% |
| March 31, 2026 | 11.74% | 0.72% | 0.17% | 98.79% |
| December 31, 2025 | 11.96% | 1.97% | 0.23% | 98.36% |
| September 30, 2025 | 11.71% | 1.13% | 0.25% | 98.88% |
| June 30, 2025 | 11.57% | 2.53% | 0.27% | 99.64% |
| March 31, 2025 | 11.01% | 1.12% | 0.18% | 98.23% |
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.