TellerScore

Headquartered in Johnson City, Tennessee, Beacon Financial Credit Union is a federally insured state-chartered credit union with $27.9M in total assets and $26.0M in member shares and deposits as of Q2 2026. Its charter dates back to 1953.

Beacon Financial Credit Union has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 122nd. Funding & liquidity contributes the most (71/100, 89% loans-to-deposits, 4% uninsured); earnings contributes the least (22/100, 0.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.70%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings22/100
Return on assets (annualized): 0.04%
Funding & liquidity71/100
Loans ÷ shares: 89.0% · 4.0% uninsured
Problem-loan coverage70/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.98%

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 20 points (64 → 44), mostly because the loan quality component weakened by 40 points.

TellerScore
355473Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202473
Q4 202473
Q1 202563
Q2 202564
Q3 202553
Q4 202535
Q1 202649
Q2 202644
Net worth ratio
7.00%9.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.98%
Q3 202410.84%
Q4 202411.58%
Q1 202510.25%
Q2 202510.18%
Q3 20257.43%
Q4 20257.58%
Q1 20267.54%
Q2 20267.70%
Delinquent loans (60+ days)
0.18%1.16%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.05%
Q3 20240.95%
Q4 20241.11%
Q1 20250.31%
Q2 20250.18%
Q3 20250.31%
Q4 20252.15%
Q1 20260.72%
Q2 20261.39%
Return on assets
-0.11%1.24%2.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.05%
Q3 20242.60%
Q4 20242.02%
Q1 2025-0.02%
Q2 20250.00%
Q3 2025-0.11%
Q4 20250.00%
Q1 2026-0.11%
Q2 20260.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$27.9M7.70%1.39%0.04%89.0%
Q1 202649$28.3M7.54%0.72%-0.11%88.7%
Q4 202535$28.3M7.58%2.15%0.00%85.9%
Q3 202553$28.9M7.43%0.31%-0.11%90.4%
Q2 202564$32.1M10.18%0.18%0.00%86.6%
Q1 202563$31.8M10.25%0.31%-0.02%87.6%
Q4 202473$28.2M11.58%1.11%2.02%96.7%
Q3 202473$30.8M10.84%0.95%2.60%93.7%
Q2 202451$30.5M8.98%1.05%0.05%91.2%

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 ratio7.70%
3rd
Problem loans1.39%
30th
Net charge-offs0.82%
17th
Return on assets0.04%
21st
Loans to deposits89.0%
10th
Uninsured deposits4.0%
28th
Loan-loss reserves0.00%
37th
Texas ratio15.0%
7th

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Hiwassee River Credit UnionCredit union Charleston, TN74 out of 100, Strong$27.5M10.9%0.15%vs
Healthcare Services Credit UnionCredit union Chattanooga, TN87 out of 100, Very strong$26.1M15.0%0.03%vs
Chattanooga First Federal Credit UnionCredit union Chattanooga, TN65 out of 100, Moderate$25.5M22.4%2.22%vs
Tennessee Employees Credit UnionCredit union Nashville, TN81 out of 100, Strong$31.0M20.1%0.92%vs
Kemba Delta Federal Credit UnionCredit union Bartlett, TN73 out of 100, Strong$31.2M29.4%3.17%vs
Kennedy VA Employees Federal Credit UnionCredit union Memphis, TN85 out of 100, Very strong$24.4M16.3%0.52%vs

Deposit insurance

Is my money safe at Beacon Financial Credit Union?

Yes. Beacon Financial Credit Union is a federally insured credit union (NCUA charter #67776). 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 4.0% of shares and deposits ($1.0M) 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 7.70%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Beacon Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67776
RSSD ID
397997
Primary regulator
State + NCUA
Established
1953
Headquarters
1102 W Market St Ste 20, Johnson City, TN 37604
Employees
9

Quick answers

Beacon Financial Credit Union: common questions

Is Beacon Financial Credit Union NCUA insured?

Yes. Beacon Financial Credit Union is a federally insured credit union (NCUA charter #67776). 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 Financial Credit Union's TellerScore?

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