Federal credit union · Wabash, Indiana · NCUA charter #82791
BEACON
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.77B
- Total assets
- 54,139
- Members
- 13.3%
- Net-worth ratio
BEACON scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.77B; members 54,139; net-worth ratio 13.30%; health rank #242 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#242 of 4,374 health · 2025Q4BEACON · health 96/100 · $1.77B · 2025Q4
Call Report peers
BEACON in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BEACON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BEACON sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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
Where BEACON diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.12 pp (13.30% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.94 pp (82.96% vs 83.90%).
BEACON in Indiana
- In Indiana, health place is #6 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 124 inside Indiana ($1.77B reported).
- Indiana membership ordinal: #17 of 124.
- One place up in Indiana, Indiana State University (#5) scores 97/100, 1 point higher; one place down, Fo Me Bo Co (#7) scores 95/100, 1 point lower.
Quarter path for BEACON
BEACON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $1.77B (2025Q4) to $1.77B (2026Q1).
- Net-worth ratio shifted +0.14 pp (13.16% → 13.30%).
This credit union's 13.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
BEACON gives up 4 points in total. Return on Assets costs the most, 3.7 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
BEACON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.30% | +2.12 pp |
| Delinquency Rate | 0.10% | -0.77 pp |
| Return on Assets | 0.25% | -0.25 pp |
| Member Growth | 13.28% | - |
| Loan-to-Share Ratio | 82.96% | -0.94 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.77B | - |
| 2025Q4 | $1.77B | 54,139 |
| 2024Q4 | $1.53B | 47,794 |
| 2023Q4 | $1.52B | 47,494 |
Credit Union Details
- Charter Number
- 82791
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- Wabash
- Data Quarter
- 2025Q4
Branch Locations (23)
Per its most recent NCUA branch filing, BEACON runs 23 offices in 17 different cities.
| Office | City |
|---|---|
| Wabash Admin Building (Main Office) | Wabash, IN |
| Auburn 7th Street | Auburn, IN |
| Grandstaff | Auburn, IN |
| Garrett | Garrett, IN |
| Huntington | Huntington, IN |
| Logansport East | Logansport, IN |
| Logansport West | Logansport, IN |
| Marion | Marion, IN |
| MItchell | Mitchell, IN |
| N Manchester | N Manchester, IN |
| New Haven | New Haven, IN |
| Orleans | Orleans, IN |
| Peru North | Peru, IN |
| Peru West | Peru, IN |
| Plymouth | Plymouth, IN |
| Rochester North | Rochester, IN |
| Rochester South | Rochester, IN |
| Rushville Office | Rushville, IN |
| Salem | Salem, IN |
| Seymour Office | Seymour, IN |
| Wabash | Wabash, IN |
| Wabash North | Wabash, IN |
| Warsaw | Warsaw, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
BEACON nationwide neighbourhoods
Using this data
- BEACON ranks #242 of 4,374 nationally on financial health and #6 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INTERRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INTERRA
Frequently Asked Questions
Is BEACON financially healthy?
On its 2025Q4 NCUA 5300 filing, BEACON scores 96/100 (Excellent), with a 13.30% net worth ratio and 0.10% of loans delinquent. It ranks #242 of 4,374 nationally on health and #6 of 124 in Indiana.
How does BEACON compare to other credit unions?
BEACON scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.30% vs 11.18%). Its widest shortfall is loan-to-share ratio (82.96% vs 83.90%).
How can I join BEACON?
Membership eligibility for BEACON depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BEACON directly for current membership requirements and application steps.
Is my money safe at BEACON?
BEACON is a federal 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. BEACON's net worth ratio of 13.30% 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.