TellerScore

Beacon Federal Credit Union (NCUA charter #6062) is based in La Porte, Texas. Its Q2 2026 call report shows $214.7M in total assets and $197.1M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Beacon Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 268th. Its strongest component is funding & liquidity (100/100; 50% loans-to-deposits, 4% uninsured), and its lowest is earnings (31/100; 0.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.74%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings31/100
Return on assets (annualized): 0.27%
Funding & liquidity100/100
Loans ÷ shares: 50.0% · 4.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.27%

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 5 points (68 → 63), mostly because the earnings component weakened by 24 points.

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202462
Q1 202572
Q2 202568
Q3 202568
Q4 202564
Q1 202663
Q2 202663
Net worth ratio
7.00%7.89%8.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.12%
Q3 20248.10%
Q4 20248.05%
Q1 20258.28%
Q2 20258.44%
Q3 20258.76%
Q4 20258.78%
Q1 20268.73%
Q2 20268.74%
Delinquent loans (60+ days)
0.16%0.45%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.30%
Q4 20240.30%
Q1 20250.16%
Q2 20250.34%
Q3 20250.40%
Q4 20250.74%
Q1 20260.23%
Q2 20260.41%
Return on assets
0.06%0.62%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.31%
Q4 20240.25%
Q1 20251.18%
Q2 20250.88%
Q3 20250.79%
Q4 20250.69%
Q1 20260.06%
Q2 20260.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$214.7M8.74%0.41%0.27%50.0%
Q1 202663$209.1M8.73%0.23%0.06%50.7%
Q4 202564$202.2M8.78%0.74%0.69%52.0%
Q3 202568$199.9M8.76%0.40%0.79%54.8%
Q2 202568$204.1M8.44%0.34%0.88%55.3%
Q1 202572$210.0M8.28%0.16%1.18%52.6%
Q4 202462$203.7M8.05%0.30%0.25%55.8%
Q3 202463$203.4M8.10%0.30%0.31%56.3%
Q2 202463$201.4M8.12%0.33%0.34%57.6%

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 ratio8.74%
10th
Problem loans0.41%
73rd
Net charge-offs0.44%
42nd
Return on assets0.27%
15th
Loans to deposits50.0%
90th
Uninsured deposits4.3%
68th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
73rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs
Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX88 out of 100, Very strong$212.9M16.3%0.06%vs
H E B Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$218.2M18.3%0.19%vs
Access Community Credit UnionCredit union Amarillo, TX66 out of 100, Moderate$210.9M10.6%0.27%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs

Deposit insurance

Is my money safe at Beacon Federal Credit Union?

Yes. Beacon Federal Credit Union is a federally insured credit union (NCUA charter #6062). 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 4.3% of shares and deposits ($8.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.74%, slightly 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 Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Beacon Federal Credit Union reported 40 home-loan applications under HMDA (LEI 54930031G7ALOZB0HI92): 30 originated ($3,220,000 total), 6 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Beacon Federal Credit Union
Type
Federal credit union
NCUA charter #
6062
RSSD ID
164788
Primary regulator
NCUA
Established
1949
Headquarters
PO Box 1704, La Porte, TX 77572
Employees
49

Quick answers

Beacon Federal Credit Union: common questions

Is Beacon Federal Credit Union NCUA insured?

Yes. Beacon Federal Credit Union is a federally insured credit union (NCUA charter #6062). 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 Federal Credit Union's TellerScore?

63 out of 100 (Moderate), 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 Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near La Porte

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs