State credit union · Bethalto, Illinois · NCUA charter #65759
B.E.A.
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $2.3M
- Total assets
- 423
- Members
- 27.1%
- Net-worth ratio
B.E.A. scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.3M; members 423; net-worth ratio 27.13%; health rank #3,902 of 4,374; healthier than 10th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,902 of 4,374 health · 2025Q4B.E.A. · health 64/100 · $2.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
B.E.A. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); B.E.A. sits in 60-64 with 179 others.
64 10th percentile higher than 10% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for B.E.A.
- Loan-to-Share Ratio leads the peer set - 110.94% here, 63.60% peer average (+47.34 pp).
- Widest shortfall vs peers is Delinquency Rate: +1.28 pp (3.09% vs 1.81%).
Illinois standing for B.E.A.
- Illinois health ordinal: #176 of 192.
- Assets rank #159 of 192 inside Illinois ($2.3M reported).
- Membership ranks #159 of 192 among Illinois CUs with a reported count (423 members).
- One place up in Illinois, The Credit Union for All (#175) scores 65/100, 1 point higher; one place down, Park Manor Christian Church (#177) ties at 64/100.
How B.E.A.'s 5300 filing moved
B.E.A.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $2.3M (2025Q4) to $2.3M (2026Q1).
- Net-worth ratio shifted -0.11 pp (27.24% → 27.13%).
27.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 64/100 score is built
B.E.A. gives up 36 points in total. Delinquency Rate costs the most, 19.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.7 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 6.8 pts
B.E.A. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.13% | +8.07 pp |
| Delinquency Rate | 3.09% | +1.28 pp |
| Return on Assets | 0.57% | +0.12 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 110.94% | +47.34 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
B.E.A. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.3M | - |
| 2025Q4 | $2.3M | 423 |
| 2024Q4 | $2.5M | 429 |
| 2023Q4 | $3.0M | 468 |
Credit Union Details
- Charter Number
- 65759
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Illinois
- City
- Bethalto
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, B.E.A. runs 2 offices.
| Office | City |
|---|---|
| BEA Credit Union (Main Office) | Bethalto, IL |
| BEA Credit Union | Bethalto, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near B.E.A.
Similar health score
Using this data
- B.E.A. ranks #3,902 of 4,374 nationally on financial health and #176 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Israel Methcomm is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Israel Methcomm
Frequently Asked Questions
Is B.E.A. financially healthy?
On its 2025Q4 NCUA 5300 filing, B.E.A. scores 64/100 (Good), with a 27.13% net worth ratio and 3.09% of loans delinquent. It ranks #3,902 of 4,374 nationally on health and #176 of 192 in Illinois.
How does B.E.A. compare to other credit unions?
B.E.A. scores 64/100, higher than 10% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (110.94% vs 63.60%). Its widest shortfall is delinquency rate (3.09% vs 1.81%).
How can I join B.E.A.?
Membership eligibility for B.E.A. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact B.E.A. directly for current membership requirements and application steps.
Is my money safe at B.E.A.?
B.E.A. is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. B.E.A.'s net worth ratio of 27.13% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.