TellerScore

Beacon Credit Union (NCUA charter #82791) is based in Wabash, Indiana. Its Q2 2026 call report shows $1.8B in total assets and $1.4B in member shares and deposits and 23 offices.

Beacon Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 48th. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.52%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity71/100
Loans ÷ shares: 89.1% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.52%

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 rose 2 points (74 → 76), mostly because the earnings component improved by 18 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202480
Q1 202577
Q2 202574
Q3 202575
Q4 202578
Q1 202675
Q2 202676
Net worth ratio
7.00%10.89%14.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.79%
Q3 202414.60%
Q4 202414.72%
Q1 202514.70%
Q2 202513.19%
Q3 202513.44%
Q4 202513.16%
Q1 202613.30%
Q2 202613.52%
Delinquent loans (60+ days)
0.07%0.34%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.10%
Q4 20240.16%
Q1 20250.47%
Q2 20250.24%
Q3 20250.28%
Q4 20250.10%
Q1 20260.61%
Q2 20260.47%
Return on assets
0.24%0.46%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.25%
Q3 20240.26%
Q4 20240.30%
Q1 20250.24%
Q2 20250.24%
Q3 20250.32%
Q4 20250.44%
Q1 20260.58%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.8B13.52%0.47%0.68%89.1%
Q1 202675$1.8B13.30%0.61%0.58%82.5%
Q4 202578$1.8B13.16%0.10%0.44%83.0%
Q3 202575$1.7B13.44%0.28%0.32%86.3%
Q2 202574$1.7B13.19%0.24%0.24%85.3%
Q1 202577$1.5B14.70%0.47%0.24%85.5%
Q4 202480$1.5B14.72%0.16%0.30%87.4%
Q3 202480$1.5B14.60%0.10%0.26%85.9%
Q2 202481$1.5B14.79%0.07%0.25%83.2%

454 peers · $1 billion – $10 billion

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 ratio13.52%
84th
Problem loans0.47%
72nd
Net charge-offs0.01%
100th
Return on assets0.68%
36th
Loans to deposits89.1%
46th
Uninsured deposits0.0%
99th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
81st

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Interra Credit UnionCredit union Goshen, IN64 out of 100, Moderate$2.1B9.1%0.16%vs
Indiana University Credit UnionCredit union Bloomington, IN72 out of 100, Strong$2.1B11.8%0.67%vs
Purdue Federal Credit UnionCredit union West Lafayette, IN75 out of 100, Strong$2.1B11.2%0.17%vs
Notre Dame Federal Credit UnionCredit union Notre Dame, IN64 out of 100, Moderate$1.4B11.0%0.59%vs
Crane Credit UnionCredit union Odon, IN69 out of 100, Moderate$1.2B12.8%1.69%vs
Forum Credit UnionCredit union Indianapolis, IN80 out of 100, Strong$2.3B13.3%0.31%vs

Deposit insurance

Is my money safe at Beacon Credit Union?

Beacon Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

23 locations

Branches

Beacon Credit Union lists 23 offices in 17 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Beacon Credit Union
Type
Non-federally insured state credit union
NCUA charter #
82791
RSSD ID
472698
Primary regulator
State + NCUA
Established
1931
Headquarters
586 S Wabash St, Wabash, IN 46992
Employees
329

Quick answers

Beacon Credit Union: common questions

Is Beacon Credit Union NCUA insured?

Beacon Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Beacon Credit Union's TellerScore?

76 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 Credit Union have?

23 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Fortress Federal Credit UnionCredit union Marion, IN88 out of 100, Very strong$22.3M17.6%0.08%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
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