State credit union · Louisville, Kentucky · NCUA charter #60883
Beacon Community
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $68.1M
- Total assets
- 9,000
- Members
- 11.6%
- Net-worth ratio
Beacon Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60883. See our deposit-insurance coverage note.
Beacon Community - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)80
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)74
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.61% 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 | 11.61% | 30% |
| Delinquency Rate | 1.01% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | -9.39% | 15% |
| Loan-to-Share Ratio | 52.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $68.1M | 9,000 |
| 2024Q4 | $68.3M | 9,933 |
| 2023Q4 | $74.9M | 10,580 |
Credit Union Details
- Charter Number
- 60883
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
What This Data Says About Beacon Community
Headquartered in Louisville, Kentucky, Beacon Community is a state credit union with 9,000 members, $68.1M in total assets, and $32.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 11.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60883 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 1.01% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 52.89% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.53% on net income of $358K 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 -9.39%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
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 Community financially healthy?
A 11.61% net worth ratio and a 1.01% delinquency rate feed into Beacon Community's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Beacon Community compare to other credit unions?
Beacon Community scores 76/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Community?
Membership eligibility for Beacon Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Beacon Community directly for current membership requirements and application steps.
Is my money safe at Beacon Community?
Federal credit unions like Beacon Community 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 Community's net worth ratio of 11.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beacon Community offer compared to banks?
Credit unions like Beacon Community 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 Community 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.