Federal credit union · Lindale, Georgia · NCUA charter #21575
BEKA
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $4.7M
- Total assets
- 441
- Members
- 13.1%
- Net-worth ratio
BEKA scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.7M; members 441; net-worth ratio 13.06%; health rank #4,243 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,243 of 4,374 health · 2025Q4BEKA · health 52/100 · $4.7M · 2025Q4
Call Report peers
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BEKA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BEKA sits in 50-54 with 82 others.
52 3rd percentile higher than 3% 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
BEKA: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +32.55 pp (96.15% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -6.00 pp (13.06% vs 19.06%).
Where BEKA sits in Georgia
- Georgia health ordinal: #73 of 74.
- Assets rank #63 of 74 inside Georgia ($4.7M reported).
- Member book place in Georgia: #69 of 74.
- One place up in Georgia, ARTESIAN (#72) scores 58/100, 6 points higher; one place down, Georgia Guard (#74) scores 35/100, 17 points lower.
Quarter path for BEKA
BEKA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $4.7M (2025Q4) to $4.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.97% → 13.06%).
This credit union's 13.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 52/100 score is built
BEKA gives up 48 points in total. Delinquency Rate costs the most, 17.9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.1 pts
- Return on Assets 2.6 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 12.2 pts
Call Report ratios for BEKA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.06% | -6.00 pp |
| Delinquency Rate | 2.86% | +1.05 pp |
| Return on Assets | -0.21% | -0.67 pp |
| Member Growth | -4.96% | - |
| Loan-to-Share Ratio | 96.15% | +32.55 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
BEKA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.6M | - |
| 2025Q4 | $4.7M | 441 |
| 2024Q4 | $4.8M | 464 |
| 2023Q4 | $4.8M | 503 |
Credit Union Details
- Charter Number
- 21575
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Lindale
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for BEKA.
| Office | City |
|---|---|
| Main Office (Main Office) | Rome, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for BEKA
Similar health score
Using this data
- BEKA ranks #4,243 of 4,374 nationally on financial health and #73 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOCOGA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOCOGA
Frequently Asked Questions
Is BEKA financially healthy?
On its 2025Q4 NCUA 5300 filing, BEKA scores 52/100 (Fair), with a 13.06% net worth ratio and 2.86% of loans delinquent. It ranks #4,243 of 4,374 nationally on health and #73 of 74 in Georgia.
How does BEKA compare to other credit unions?
BEKA scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (96.15% vs 63.60%). Its widest shortfall is net worth ratio (13.06% vs 19.06%).
How can I join BEKA?
BEKA is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact BEKA directly to confirm eligibility.
Is my money safe at BEKA?
BEKA is a federal 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. BEKA's net worth ratio of 13.06% 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.