Beka Federal Credit Union (NCUA charter #21575) is based in Lindale, Georgia. Its Q2 2026 call report shows $4.6M in total assets and $4.0M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Beka Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 26% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 49th. Its strongest component is problem-loan coverage (91/100; 4.6%), and its lowest is earnings (0/100; -0.65%).
TellerScore · Q2 2026
Scorecard
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 8 points (55 → 63), mostly because the loan quality component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 48 |
| Q4 2024 | 51 |
| Q1 2025 | 45 |
| Q2 2025 | 55 |
| Q3 2025 | 55 |
| Q4 2025 | 41 |
| Q1 2026 | 66 |
| Q2 2026 | 63 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.91% |
| Q3 2024 | 13.96% |
| Q4 2024 | 13.75% |
| Q1 2025 | 13.39% |
| Q2 2025 | 12.90% |
| Q3 2025 | 13.41% |
| Q4 2025 | 12.97% |
| Q1 2026 | 13.06% |
| Q2 2026 | 12.97% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.42% |
| Q3 2024 | 3.54% |
| Q4 2024 | 2.45% |
| Q1 2025 | 2.85% |
| Q2 2025 | 1.50% |
| Q3 2025 | 1.63% |
| Q4 2025 | 2.86% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.12% |
| Q3 2024 | 0.01% |
| Q4 2024 | -0.21% |
| Q1 2025 | -1.25% |
| Q2 2025 | -1.59% |
| Q3 2025 | -1.12% |
| Q4 2025 | -1.08% |
| Q1 2026 | -0.36% |
| Q2 2026 | -0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $4.6M | 12.97% | 0.86% | -0.65% | 79.7% |
| Q1 2026 | 66 | $4.6M | 13.06% | 0.60% | -0.36% | 88.6% |
| Q4 2025 | 41 | $4.7M | 12.97% | 2.86% | -1.08% | 96.2% |
| Q3 2025 | 55 | $4.6M | 13.41% | 1.63% | -1.12% | 91.2% |
| Q2 2025 | 55 | $4.8M | 12.90% | 1.50% | -1.59% | 87.0% |
| Q1 2025 | 45 | $4.8M | 13.39% | 2.85% | -1.25% | 82.8% |
| Q4 2024 | 51 | $4.8M | 13.75% | 2.45% | -0.21% | 89.4% |
| Q3 2024 | 48 | $4.8M | 13.96% | 3.54% | 0.01% | 91.6% |
| Q2 2024 | 48 | $4.8M | 13.91% | 3.42% | 0.12% | 92.3% |
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).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Locoga Federal Credit UnionCredit union Valdosta, GA | 48 out of 100, Below average | $4.5M | 7.1% | 1.35% | vs |
| E L C O Federal Credit UnionCredit union Elberton, GA | 84 out of 100, Strong | $5.3M | 20.1% | 0.78% | vs |
| Omega Psi Phi Fraternity Federal Credit UnionCredit union Toccoa, GA | 62 out of 100, Moderate | $5.5M | 9.1% | 0.81% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Rig Employees Credit UnionCredit union Macon, GA | 69 out of 100, Moderate | $5.9M | 43.8% | 3.24% | vs |
| Coffee County Teachers Federal Credit UnionCredit union Douglas, GA | 50 out of 100, Below average | $3.1M | 19.8% | 3.44% | vs |
Deposit insurance
Is my money safe at Beka Federal Credit Union?
Yes. Beka Federal Credit Union is a federally insured credit union (NCUA charter #21575). 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 1.4% of shares and deposits ($54K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Beka Federal Credit Union lists 1 office in 1 city. Most locations:
- Rome, GA (1)
Identity & history
Profile
- Legal name
- Beka Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21575
- RSSD ID
- 267988
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- PO Box 312, Lindale, GA 30147
- Employees
- 2
Quick answers
Beka Federal Credit Union: common questions
Is Beka Federal Credit Union NCUA insured?
Yes. Beka Federal Credit Union is a federally insured credit union (NCUA charter #21575). 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 Beka 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 Beka Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lindale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Southeast First National BankBank Summerville, GA | 74 out of 100, Strong | $74.9M | 11.7% | 0.06% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |