State credit union · Lynchburg, Virginia · NCUA charter #66965
Beacon Credit Union, Incorporated
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $369.6M
- Total assets
- 29,575
- Members
- 11.7%
- Net-worth ratio
Beacon Credit Union, Incorporated scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $369.6M; members 29,575; net-worth ratio 11.74%; health rank #512 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#512 of 4,374 health · 2025Q4Beacon Credit Union, Incorp… · health 94/100 · $369.6M · 2025Q4
- DELQ 94/100
- ROA 11.7%
- ASSETS 0.23%
- MEM 0.73%
- RANK $369.6M
- PHOTO 29,575
- BOOK #512/4,374
- CHARTER First Capital
- NCUSIF 66965
Call Report peers
Beacon Credit Union, Incorporated in the assets neighbourhood
Beacon Credit Union, Incorporated's $369.6M assets sit next to First Capital ($368.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Beacon Credit Union, Incorporated vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% 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
Beacon Credit Union, Incorporated - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66965, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Beacon Credit Union, Incorporated: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +26.16 pp (98.36% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.74% vs peer 12.11% (-0.37 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Beacon Credit Union, Incorporated: in-state Call Report ranks
- Health composite ranks #6 of 95 among scored Virginia credit unions.
- Virginia assets place: #27 of 95.
- Member book place in Virginia: #24 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Beacon Credit Union, Incorporated: 2025Q4 → 2026Q1
Beacon Credit Union, Incorporated: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $369.6M (2025Q4) to $378.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (11.96% → 11.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 10.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.74% | -0.37 pp |
| Delinquency Rate | 0.23% | -0.66 pp |
| Return on Assets | 0.73% | +0.11 pp |
| Member Growth | 3.45% | - |
| Loan-to-Share Ratio | 98.36% | +26.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Beacon Credit Union, Incorp… filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $378.2M | - |
| 2025Q4 | $369.6M | 29,575 |
| 2024Q4 | $332.6M | 28,588 |
| 2023Q4 | $304.1M | 28,177 |
Credit Union Details
- Charter Number
- 66965
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Lynchburg
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for Beacon Credit Union, Incorporated, spread across 6 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Lynchburg, VA |
| Bedford | Bedford, VA |
| Buena Vista | Buena Vista, VA |
| Danville Piney Forest | Danville, VA |
| Danville City | Danville, VA |
| Logans Office | Lynchburg, VA |
| Forest Rd Branch | Lynchburg, VA |
| Langhorne Road | Lynchburg, VA |
| Madison Heights | Madison Heights, VA |
| Electric Road Branch | Roanoke, VA |
| Hershberger Road | Roanoke, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for Beacon Credit Union, Incorp…
Beacon Credit Union, Incorporated's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($369.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Beacon Credit Union, Incorporated ranks #512 of 4,374 nationally on financial health and #6 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRANSPORTATION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRANSPORTATION
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Beacon Credit Union, Incorporated financially healthy?
Beacon Credit Union, Incorporated scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #512 of 4,374; by total assets it ranks #911 of 4,374 nationally (same basis as /rankings/largest); and #27 of 95 within Virginia. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.74% net worth ratio and a 0.23% delinquency rate.
How does Beacon Credit Union, Incorporated compare to other credit unions?
94/100 is Beacon Credit Union, Incorporated's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Credit Union, Incorporated?
Membership eligibility for Beacon Credit Union, Incorporated depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Beacon Credit Union, Incorporated directly for current membership requirements and application steps.
Is my money safe at Beacon Credit Union, Incorporated?
Federal credit unions like Beacon Credit Union, Incorporated 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 Credit Union, Incorporated's net worth ratio of 11.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beacon Credit Union, Incorporated offer compared to banks?
Credit unions like Beacon Credit Union, Incorporated 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 Credit Union, Incorporated directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.