State credit union · Johnson City, Tennessee · NCUA charter #67776
Beacon Financial
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $28.3M
- Total assets
- 2,166
- Members
- 7.5%
- Net-worth ratio
Beacon Financial scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.3M; members 2,166; net-worth ratio 7.54%; health rank #3,437 of 4,374; healthier than 21st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,437 of 4,374 health · 2025Q4Beacon Financial · health 73/100 · $28.3M · 2025Q4
Call Report peers
Beacon Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Beacon Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Beacon Financial sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Beacon Financial vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 85.89% vs peer 59.80% (+26.09 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.32 pp (7.54% vs 14.86%).
Beacon Financial: in-state Call Report ranks
- Tennessee health ordinal: #103 of 127.
- Tennessee assets place: #84 of 127.
- Membership ranks #81 of 127 among Tennessee CUs with a reported count (2,166 members).
- One place up in Tennessee, Cn/Ic Employees (#102) ties at 73/100; one place down, Kimberly Clark (#104) scores 72/100, 1 point lower.
Beacon Financial Call Report trajectory
Beacon Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $28.3M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.58% → 7.54%).
7.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Beacon Financial gives up 27 points in total. Delinquency Rate costs the most, 13.4 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 23.8 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 14.8 pts
Beacon Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.54% | -7.32 pp |
| Delinquency Rate | 2.15% | +1.01 pp |
| Return on Assets | 2.02% | +1.31 pp |
| Member Growth | -0.64% | - |
| Loan-to-Share Ratio | 85.89% | +26.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Beacon Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.3M | - |
| 2025Q4 | $28.3M | 2,166 |
| 2024Q4 | $28.2M | 2,180 |
| 2023Q4 | $31.6M | 2,240 |
Credit Union Details
- Charter Number
- 67776
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Tennessee
- City
- Johnson City
- Data Quarter
- 2025Q4
Branch Locations (2)
Beacon Financial operates 2 offices in Johnson City, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Beacon Financial Credit Union (Main Office) | Johnson City, TN |
| Beacon Financial Credit Union | Johnson City, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Other-state peers near Beacon Financial
Similar total assets
Similar health score
Using this data
- Beacon Financial ranks #3,437 of 4,374 nationally on financial health and #103 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hiwassee River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hiwassee River
Frequently Asked Questions
Is Beacon Financial financially healthy?
Beacon Financial has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,437 of 4,374 nationally on health and #103 of 127 in Tennessee. Its net worth ratio is 7.54% and its delinquency rate 2.15%.
How does Beacon Financial compare to other credit unions?
Beacon Financial scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.89% vs 59.80%). Its widest shortfall is net worth ratio (7.54% vs 14.86%).
How can I join Beacon Financial?
Membership eligibility for Beacon Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Beacon Financial directly for current membership requirements and application steps.
Is my money safe at Beacon Financial?
Beacon Financial 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 Financial's net worth ratio of 7.54% 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.