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
- RANK 52/100
- PHOTO 13.1%
- BOOK 2.86%
- CHARTER -0.21%
- NCUSIF $4.7M
- CAMELS 441
- HEALTH #4,243/4,374
- NW n/a
- DELQ 21575
Call Report peers
BEKA carries $4.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BEKA 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
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #21575, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for BEKA
BEKA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $4.7M (2025Q4) to $4.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.97% → 13.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
BEKA's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 BEKA financially healthy?
Yes/no aside, the number is 52/100 (Fair) - BEKA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,243 of 4,374; by total assets it ranks #3,919 of 4,374 nationally (same basis as /rankings/largest); and #63 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.06% net worth ratio and 2.86% delinquency rate are the key drivers.
How does BEKA compare to other credit unions?
BEKA scores 52/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like BEKA 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. BEKA's net worth ratio of 13.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BEKA offer compared to banks?
Credit unions like BEKA 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 BEKA 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.