Credit Union Safety Analysis
Is Beacon Credit Union Incorporated Safe? Lynchburg, Virginia
Based on its Q2 2026 NCUA 5300 call report, Beacon Credit Union Incorporated has a net worth ratio of 11.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Beacon Credit Union Incorporated's net worth ratio is 11.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.60%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 1.47%
- Loan-to-share ratio (Q2 2026): 99.80%
Beacon Credit Union Incorporated (NCUA charter 66965, established 1939) reported $391.6M in assets and 30,270 members for Q2 2026 from Lynchburg, Virginia. It ranks 27 of 94 credit unions in Virginia by total assets. Total assets grew 18.0% from $331.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.74% for Q1 2026; 11.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.17% for Q1 2026; 0.27% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.72% for Q1 2026; 2.53% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 98.79% for Q1 2026; 99.64% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $164.3M
- 1- to 4-family residential and other consumer real estate loans: $101.6M
- New vehicle loans: $26.3M
- Unsecured credit card loans: $24.7M
- Commercial loans: $20.0M
- Other secured non-real estate loans and lines of credit: $2.2M
- Other unsecured loans and lines of credit: $2.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $391.6M | 11.60% | 0.24% | 1.47% | 99.80% |
| March 31, 2026 | $378.2M | 11.74% | 0.17% | 0.72% | 98.79% |
| December 31, 2025 | $369.6M | 11.96% | 0.23% | 1.97% | 98.36% |
| September 30, 2025 | $346.6M | 11.71% | 0.25% | 1.13% | 98.88% |
| June 30, 2025 | $331.8M | 11.57% | 0.27% | 2.53% | 99.64% |
| March 31, 2025 | $329.1M | 11.01% | 0.18% | 1.12% | 98.23% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Beacon Credit Union Incorporated profile
Regulator records: NCUA credit union profile (charter 66965) · FFIEC NIC profile (RSSD 1018897)
Frequently asked questions
Is Beacon Credit Union Incorporated well capitalized?
On its Q2 2026 NCUA 5300 call report, Beacon Credit Union Incorporated's net worth ratio is 11.60%, above the 7% NCUA threshold for well capitalized.
Is Beacon Credit Union Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. Beacon Credit Union Incorporated is a federally insured credit union (NCUA charter 66965): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Beacon Credit Union Incorporated's key safety ratios?
For Q2 2026, Beacon Credit Union Incorporated reports net worth 11.60%, delinquency 0.24%, ROA 1.47%, loan-to-share 99.80%.
What happens to my money if Beacon Credit Union Incorporated fails?
For Q2 2026, Beacon Credit Union Incorporated held $342.0M in shares and deposits for 30,270 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.