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.
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NCUA 5300 Call Report Masthead
#512 of 4,374 health · 2025Q4Beacon Credit Union, Incorp… · health 94/100 · $369.6M · 2025Q4
Call Report peers
Beacon Credit Union, Incorporated in the assets neighbourhood
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Beacon Credit Union, Incorporated vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Beacon Credit Union, Incorporated sits in 90-94 with 747 others.
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: 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).
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.
- One place up in Virginia, Dupont Community (#5) scores 95/100, 1 point higher; one place down, 1st Advantage (#7) scores 93/100, 1 point lower.
Beacon Credit Union, Incorporated: 2025Q4 → 2026Q1
Beacon Credit Union, Incorporated: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $369.6M (2025Q4) to $378.2M (2026Q1).
- Net-worth ratio shifted -0.22 pp (11.96% → 11.74%).
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
Beacon Credit Union, Incorporated gives up 6 points in total. Loan-to-Share Ratio costs the most, 3.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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…
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Beacon Credit Union, Incorporated financially healthy?
Beacon Credit Union, Incorporated has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #512 of 4,374 nationally on health and #6 of 95 in Virginia. Its net worth ratio is 11.74% and its delinquency rate 0.23%.
How does Beacon Credit Union, Incorporated compare to other credit unions?
Beacon Credit Union, Incorporated scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (98.36% vs 72.20%). Its widest shortfall is net worth ratio (11.74% vs 12.11%).
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?
Beacon Credit Union, Incorporated 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. Beacon Credit Union, Incorporated's net worth ratio of 11.74% 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.