Federal credit union · Wabash, Indiana · NCUA charter #82791
Beacon
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $1.77B
- Total assets
- 54,139
- Members
- 12.8%
- Net-worth ratio
Beacon - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #82791, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Beacon - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)75
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.83% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | 13.28% | 15% |
| Loan-to-Share Ratio | 82.96% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Beacon
54,139 members and $1.77B in total assets sit behind Beacon, a federal credit union in Wabash, Indiana, which posts a health score of 96/100 (Excellent) on the five-factor composite, with $1.22B in outstanding loans as of Q4 2025 and a net worth ratio of 12.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #82791 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.10% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.96% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.25% on net income of $4.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 13.28%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Beacon financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Beacon carries a financial health score of 96/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.83% net worth ratio and a 0.10% delinquency rate.
How does Beacon compare to other credit unions?
Five weighted metrics from NCUA filings produce Beacon's 96/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Beacon are 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 12.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beacon offer compared to banks?
Credit unions like Beacon are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Beacon directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.