TellerScore

Beacon Community Credit Union is a federally insured state-chartered credit union headquartered in Louisville, Kentucky, in business for about 79 years. At the end of Q2 2026 it reported $72.1M in total assets and $62.9M in member shares and deposits, with 4 offices.

Beacon Community Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 28th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 4% uninsured); earnings contributes the least (21/100, 0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.29%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity100/100
Loans ÷ shares: 46.2% · 3.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (75 → 72), mostly because the earnings component weakened by 26 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202473
Q4 202475
Q1 202575
Q2 202575
Q3 202580
Q4 202574
Q1 202672
Q2 202672
Net worth ratio
7.00%10.00%13.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.39%
Q3 202411.97%
Q4 202412.40%
Q1 202512.13%
Q2 202512.42%
Q3 202512.93%
Q4 202513.00%
Q1 202612.42%
Q2 202612.29%
Delinquent loans (60+ days)
0.22%0.61%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.55%
Q4 20240.58%
Q1 20250.66%
Q2 20250.75%
Q3 20250.46%
Q4 20251.01%
Q1 20260.22%
Q2 20260.44%
Return on assets
-0.36%0.20%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.38%
Q4 20240.52%
Q1 20250.70%
Q2 20250.68%
Q3 20250.75%
Q4 20250.61%
Q1 2026-0.36%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$72.1M12.29%0.44%0.03%46.2%
Q1 202672$70.7M12.42%0.22%-0.36%49.4%
Q4 202574$68.1M13.00%1.01%0.61%52.9%
Q3 202580$68.5M12.93%0.46%0.75%55.6%
Q2 202575$70.1M12.42%0.75%0.68%57.0%
Q1 202575$70.9M12.13%0.66%0.70%58.1%
Q4 202475$68.3M12.40%0.58%0.52%62.2%
Q3 202473$69.8M11.97%0.55%0.38%62.4%
Q2 202472$72.6M11.39%0.36%0.30%59.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.29%
34th
Problem loans0.44%
61st
Net charge-offs1.63%
7th
Return on assets0.03%
20th
Loans to deposits46.2%
69th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
59th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Daviess County Teachers Federal Credit UnionCredit union Owensboro, KY82 out of 100, Strong$75.3M12.5%0.49%vs
Morehead Community Federal Credit UnionCredit union Morehead, KY88 out of 100, Very strong$65.1M13.5%0.50%vs
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Kemba Louisville Credit UnionCredit union Louisville, KY65 out of 100, Moderate$59.3M20.8%2.72%vs
Greater Kentucky CU, Inc. Credit UnionCredit union Lexington, KY65 out of 100, Moderate$86.5M11.7%0.76%vs
Kue Federal Credit UnionCredit union Lexington, KY76 out of 100, Strong$56.1M14.9%1.65%vs

Deposit insurance

Is my money safe at Beacon Community Credit Union?

Yes. Beacon Community Credit Union is a federally insured credit union (NCUA charter #60883). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.9% of shares and deposits ($2.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Beacon Community Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Beacon Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60883
RSSD ID
324591
Primary regulator
State + NCUA
Established
1947
Headquarters
7910 National Turnpike, Louisville, KY 40214
Employees
29

Quick answers

Beacon Community Credit Union: common questions

Is Beacon Community Credit Union NCUA insured?

Yes. Beacon Community Credit Union is a federally insured credit union (NCUA charter #60883). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Beacon Community Credit Union's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Beacon Community Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Transcend Credit UnionCredit union Louisville, KY83 out of 100, Strong$588.3M13.4%0.13%vs
Guardian Savings BankBank West Chester, OH83 out of 100, Strong$1.4B11.4%0.20%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY82 out of 100, Strong$50.4M15.5%0.87%vs