TellerScore

Beacon Credit Union, Incorporated (NCUA charter #66965) is based in Lynchburg, Virginia. Its Q2 2026 call report shows $391.6M in total assets and $342.0M in member shares and deposits and 10 offices.

Based on its Q2 2026 filing, Beacon Credit Union, Incorporated scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 36th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (60/100; 100% loans-to-deposits, 3% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.60%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity60/100
Loans ÷ shares: 99.8% · 2.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

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 6 points (80 → 74), mostly because the earnings component weakened by 30 points.

TellerScore
667380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202466
Q4 202470
Q1 202573
Q2 202580
Q3 202578
Q4 202579
Q1 202672
Q2 202674
Net worth ratio
7.00%9.48%11.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.80%
Q3 202410.43%
Q4 202410.85%
Q1 202511.01%
Q2 202511.57%
Q3 202511.71%
Q4 202511.96%
Q1 202611.74%
Q2 202611.60%
Delinquent loans (60+ days)
0.17%0.26%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.35%
Q4 20240.27%
Q1 20250.18%
Q2 20250.27%
Q3 20250.25%
Q4 20250.23%
Q1 20260.17%
Q2 20260.24%
Return on assets
0.71%1.27%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.71%
Q4 20240.81%
Q1 20251.12%
Q2 20251.82%
Q3 20251.54%
Q4 20251.58%
Q1 20260.72%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$391.6M11.60%0.24%1.08%99.8%
Q1 202672$378.2M11.74%0.17%0.72%98.8%
Q4 202579$369.6M11.96%0.23%1.58%98.4%
Q3 202578$346.6M11.71%0.25%1.54%98.9%
Q2 202580$331.8M11.57%0.27%1.82%99.6%
Q1 202573$329.1M11.01%0.18%1.12%98.2%
Q4 202470$332.6M10.85%0.27%0.81%98.5%
Q3 202466$328.5M10.43%0.35%0.71%99.5%
Q2 202469$323.2M10.80%0.27%0.75%99.8%

1,341 peers · $100 million – $1 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 ratio11.60%
52nd
Problem loans0.24%
87th
Net charge-offs0.29%
59th
Return on assets1.08%
71st
Loans to deposits99.8%
3rd
Uninsured deposits2.5%
87th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
64th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Park View Federal Credit UnionCredit union Harrisonburg, VA71 out of 100, Strong$409.6M10.1%0.05%vs
Signature Federal Credit UnionCredit union Alexandria, VA49 out of 100, Below average$421.4M10.5%1.53%vs
Agriculture Federal Credit UnionCredit union Merrifield, VA76 out of 100, Strong$350.7M12.4%0.52%vs
Transportation Federal Credit UnionCredit union Alexandria, VA60 out of 100, Moderate$345.6M9.9%0.86%vs
Dominion Energy Credit UnionCredit union North Chesterfi, VA84 out of 100, Strong$336.4M14.3%0.43%vs
Paho/Who Federal Credit UnionCredit union Arlington, VA78 out of 100, Strong$325.8M14.3%0.64%vs

Deposit insurance

Is my money safe at Beacon Credit Union, Incorporated?

Yes. Beacon Credit Union, Incorporated is a federally insured credit union (NCUA charter #66965). 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 2.5% of shares and deposits ($8.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.60%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Beacon Credit Union, Incorporated lists 10 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Beacon Credit Union, Incorporated
Type
Federally insured state-chartered credit union
NCUA charter #
66965
RSSD ID
1018897
Primary regulator
State + NCUA
Established
1939
Headquarters
PO Box 4319, Lynchburg, VA 24502
Employees
89

Quick answers

Beacon Credit Union, Incorporated: common questions

Is Beacon Credit Union, Incorporated NCUA insured?

Yes. Beacon Credit Union, Incorporated is a federally insured credit union (NCUA charter #66965). 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 Credit Union, Incorporated's TellerScore?

74 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, Incorporated have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lynchburg

InstitutionScoreAssetsCapitalProblem loansCompare
Kemba Roanoke Federal Credit UnionCredit union Salem, VA82 out of 100, Strong$76.7M16.4%0.74%vs
Lynchburg Municipal Employees Federal Credit UnionCredit union Lynchburg, VA81 out of 100, Strong$31.4M12.1%0.28%vs
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First National BankBank Altavista, VA73 out of 100, Strong$1.1B8.8%0.19%vs