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
- NW 73/100
- DELQ 7.5%
- ROA 2.15%
- ASSETS 2.02%
- MEM $28.3M
- RANK 2,166
- PHOTO #3,437/4,374
- BOOK Mile High
- CHARTER 67776
Call Report peers
Beacon Financial in the assets neighbourhood
Beacon Financial's $28.3M assets sit next to Mile High ($28.3M) 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 Financial 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
73 21st percentile higher than 21% 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 Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67776. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Beacon Financial Call Report trajectory
Beacon Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $28.3M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.58% → 7.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Beacon Financial, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Financial financially healthy?
Beacon Financial has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,437 of 4,374; by total assets it ranks #2,898 of 4,374 nationally (same basis as /rankings/largest); and #84 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.54% and delinquency rate of 2.15%.
How does Beacon Financial compare to other credit unions?
PlainCU's health composite puts Beacon Financial at 73/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Beacon Financial 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 Financial's net worth ratio of 7.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beacon Financial offer compared to banks?
Credit unions like Beacon Financial 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 Financial 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.