Beacon Financial Credit Union Johnson City, Tennessee
Beacon Financial Credit Union is a state-chartered credit union headquartered in Johnson City, TN (NCUA charter 67776), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,163 members and total assets of $27.9M (down 13.1% from Q2 2025), the 83rd largest of 123 credit unions headquartered in Tennessee. Its net worth ratio was 7.70% at Q2 2026, in the well capitalized band.
Also written as Beacon Financial CU · Trade names filed with the NCUA: Mountain States Credit Union, Beacon Financial and Ballad Credit Union
BankRegReports is independent of Beacon Financial 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
- 67776
- Headquarters
- Johnson City, TN
- Established
- Not reported
- Total assets, Q2 2026
- $27.9M
- Assets vs Q2 2025
- -13.1%
- Members, Q2 2026
- 2,163
- Net worth ratio, Q2 2026
- 7.70%
- Latest call report
- Q2 2026, NCUA 5300 · Beacon Financial Credit Union call report
- Asset rank in state
- 83rd of 123 in Tennessee
- Routing number
- 264279237
- Branches
- 2
It has 43 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was down 2.48 percentage points from 10.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.0M of $23.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.39% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.70% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Tennessee
Frequently asked about Beacon Financial Credit Union
How big is Beacon Financial Credit Union?
At Q2 2026 it reported total assets of $27.9M and 2,163 members.
Where is Beacon Financial Credit Union headquartered?
It is headquartered in Johnson City, TN, United States.
Is Beacon Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67776): 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 Financial 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 Financial Credit Union well capitalized?
Its net worth ratio was 7.70% 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 Financial Credit Union's delinquency ratio?
Its delinquency ratio was 1.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Beacon Financial Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Johnson City, TN 37604
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67776
- RSSD ID
- 397997
- Members
- 2,163
- Potential members
- 15,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 7.70% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.20% | 0.72% | 27th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.54% | 4.74% | 35th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.97% | 3.93% | 52nd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 95.13% | 79.83% | 21st bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.56% | 0.78% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.39% | 0.86% | 38th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.53% | 4.70% | 79th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 88.99% | 58.92% | 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$27.9M total assets against $32.1M; $26.0M total shares and deposits against $29.0M; $23.2M total loans against $25.1M.
$2.1M net worth against $3.3M.
7.70% net worth ratio against 10.18%.
88.99% loan-to-share ratio against 86.60%.
1.39% delinquency ratio against 0.18%.
0.20% return on assets against 0.02%; 2.54% return on equity against 0.17%.
3.97% net interest margin against 3.62%.
2,163 members against 2,206.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.70% | 0.20% | 1.39% | 88.99% |
| March 31, 2026 | 7.54% | -0.11% | 0.72% | 88.66% |
| December 31, 2025 | 7.58% | 0.34% | 2.15% | 85.89% |
| September 30, 2025 | 7.43% | -0.32% | 0.31% | 90.37% |
| June 30, 2025 | 10.18% | 0.02% | 0.18% | 86.60% |
| March 31, 2025 | 10.25% | -0.02% | 0.31% | 87.58% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.