Credit Union Safety Analysis
Is Beacon Financial Credit Union Safe? Johnson City, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Beacon Financial Credit Union has a net worth ratio of 7.70%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.39%, 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 Financial Credit Union's net worth ratio is 7.70%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.70%
- Delinquency ratio (60+ days) (Q2 2026): 1.39%
- Return on assets (Q2 2026): 0.20%
- Loan-to-share ratio (Q2 2026): 88.99%
Beacon Financial Credit Union (NCUA charter 67776) reported $27.9M in assets and 2,163 members for Q2 2026 from Johnson City, Tennessee. It ranks 83 of 123 credit unions in Tennessee by total assets. Total assets fell 13.1% from $32.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.54% for Q1 2026; 10.18% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.72% for Q1 2026; 0.18% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.11% for Q1 2026; 0.02% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 88.66% for Q1 2026; 86.60% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $17.0M
- New vehicle loans: $2.0M
- Other secured non-real estate loans and lines of credit: $1.9M
- Used vehicle loans: $1.7M
- Other unsecured loans and lines of credit: $412K
- Commercial loans: $118K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $27.9M | 7.70% | 1.39% | 0.20% | 88.99% |
| March 31, 2026 | $28.3M | 7.54% | 0.72% | -0.11% | 88.66% |
| December 31, 2025 | $28.3M | 7.58% | 2.15% | 0.34% | 85.89% |
| September 30, 2025 | $28.9M | 7.43% | 0.31% | -0.32% | 90.37% |
| June 30, 2025 | $32.1M | 10.18% | 0.18% | 0.02% | 86.60% |
| March 31, 2025 | $31.8M | 10.25% | 0.31% | -0.02% | 87.58% |
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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 Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 67776) · FFIEC NIC profile (RSSD 397997)
Frequently asked questions
Is Beacon Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Beacon Financial Credit Union's net worth ratio is 7.70%, above the 7% NCUA threshold for well capitalized.
Is Beacon Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Beacon Financial Credit Union is a federally insured credit union (NCUA charter 67776): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Beacon Financial Credit Union's key safety ratios?
For Q2 2026, Beacon Financial Credit Union reports net worth 7.70%, delinquency 1.39%, ROA 0.20%, loan-to-share 88.99%.
What happens to my money if Beacon Financial Credit Union fails?
For Q2 2026, Beacon Financial Credit Union held $26.0M in shares and deposits for 2,163 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.