# BEACON
Wabash, IN · NCUA charter 82791 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/beacon-82791

Who the members are: state charter, organized 1931. 54,371 members of 2,321,449 potential (2.3% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.77B |
| Members | 54,371 (13.3% YoY) |
| Full-time staff | 295 |
| Net worth | $235.0M |
| Net worth ratio | 13.3% (p86 of band) |
| ROA (annualized) | 0.58% (p39 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | 0.01% (p1 of band) |
| Loans / shares | 82% (p38 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 5.54% |
| Net interest margin | 2.78% (p17 of band) |
| Operating expense / assets | 2.74% (p25 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.40% (p28 of band) |
| Vehicle NCO | 0.19% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 370% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 32% |
| Average share balance | $11,916 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $98,426 |
| Loans granted, annualized | $364.7M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 0 |  | leaning on borrowings, loans>95% of shares, delinquency 2x band |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 3 | net worth falling, loans>95% of shares |  |
| 2017-09 | 5 | delinquency 2x band, leaning on borrowings |  |
| 2017-12 | 4 | delinquency rising | net worth falling, leaning on borrowings |
| 2018-03 | 2 |  | members leaving, loans>95% of shares |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 |  | loans>95% of shares |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 1 | delinquency 2x band |  |
| 2020-06 | 1 | net worth falling | delinquency 2x band |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 | leaning on borrowings | assets shrinking |
| 2023-09 | 2 | net worth falling |  |
| 2023-12 | 3 | delinquency rising |  |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 2 |  | net worth falling |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-15 [Credit Union makes donation to Rescue Mission of Roanoke - WDBJ7](https://news.google.com/rss/articles/CBMijAFBVV95cUxOemNXN0dsVUQ3b3pfRmFNcEtKTVNTMnJMU2Z2enRSVWg3a0JYaEtjbWZSVHh6NEZZRHB1TnkzMEZibDhuMXV0UnJ3ZWMySGplbUtzVjJDa01yUVRNY0I2Zlh1b3drMlBNUEtydjhaNk1aemFpLXh4aHBJRlhTOURfVXl4ZVpuWlJxWmpXcNIBoAFBVV95cUxON0JVd0VPQW5tSFFrMEdER3NxaXhpZlZ1aU0xWWExQ3d4bkFvZnYwTDREX2wzZkI3VFpVWEg5SHpOV1lmUkFlclEzdDlGODM5RWw4ZFd1cTJQdlg2THlKZnpodnkyeU8zN3dTeFI0bVJsUkRESnVXZHY5bzU1ZnY5TnBSUS1rLWtucWtjREVQbTBqYmR4RW9WSHlGMGd1Yjly?oc=5) · WDBJ7
- 2026-08-14 [Listens Live! Beacon Community Credit Union - August 12th, 2026 - WDRB](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNC0tbVZ3dUl3djVCNUNEaDZvNGpCTUNmWFBjRHVETUFHbHlReWNTWE9ETmlZSDFNWmpwbHdjY08zdi1CQUd2V0JDbXNCZGhFM3VoUERkTHhNd2R3S0ZVVmdEOHl0dWhFTkFYTGd4Rmw2a1BKWG1WYVhabldGcm5JeElWLVRMeWMyWFVOd3BuR0JkLTVQTERkTmwzcl9Qb29T?oc=5) · WDRB
- 2026-07-13 [Former Stow mattress store will become 7 17 Credit Union branch - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNN2xYUDQ4eklrQXJGYTdteDN1OFN0eXlIR2FCS2xDN1J0R045SndxY25WaDlHbG1HOVRFeTJDZHN3UUlQWmJfa1FmS1YtNXZhZXM3ZXpNbXpqU2VhRmFUZFlsdFpHRlRGeGZkYlFkRDZZVHpnaHJwZ3VGVnF5THc1N0lMRk9SSmNFbFcyMjFUQ29wY3lFUHdkTVdiVTVRVEdnQ18xcUVmY1BDeHdPWS1sVGJCTlpIVXF3WUdFblZWU3VLTUhMcjBaTmVmdlJVU2U0NTVZUVhnSHU3THhIX3c?oc=5) · Akron Beacon Journal
- 2025-10-22 [Beacon Credit Union Donates More Than $12,500 To Warsaw Community Development Corporation - timesuniononline.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxPY21xSHJOXzR5MHNxZElZbUItYkItTG5GN1lKYklCWldqRlQ0c0ppb0YxWFhmOERiZU9rWEZxTEJMbXQzY2cweTktTkl5aHhON0x6ZnhCSG5VYkZIczgxYVNTTUptMVZyMDRlQW5ZTDF6dFdaQ3BuNHZiR1FmOXF5bFp1WFpNLVQ4WThTZkNENGtqdEZ4bHZtWmdyd2dKS3ktUS1NbmRwV3dZTW40Z1l6bEpYVVBVNVdvVnd5bHA0U0lsaUxrbzVlQmhZVQ?oc=5) · timesuniononline.com
- 2026-02-13 [Beacon Credit Union donates $2,000 to Logansport Parks - Pharos-Tribune](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZkhIOWdQY2p5dGF3SlctQjd4aFNReWJLNEJLbEM3SjZYU1loOGdPMGwtQXhfc2pHZHFDR1NZZlhWelZzRUdOcDA2LTZlMlRSM2tDaDdvdVppMUIwTkpPdVU0ZnRXM1NyV01lNk1qRWQtSzBWVEtMWmlDUV9QOURSQTFnZjNzZnUzUnc?oc=5) · Pharos-Tribune
- 2024-01-29 [Beacon Credit Union to buy Indiana bank - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxOd09hckswSHVoNDhPMHJTZGJiN19uaU1PLWFRWW8xUXhZRFMyY3d4dUtOTmRVWGtOLXdycmVRaFVsZktTcUpFdFhpaVpDdHQwSWJfcnRFOW1vdkR0ZTh6SE5TdE1OTDVUTWlsX3N3Ymd3ZjQtSmFZbGMzVVFZeVpJZWRIRUF1NGc?oc=5) · Banking Dive
- 2024-03-02 [Beacon Credit Union Acquires Mid-Southern Savings Bank - Building Indiana Business](https://news.google.com/rss/articles/CBMimwFBVV95cUxQV0h6VkdleWxfbkh3ZlpSSTNFLTVPVDZjTVU5RGxIbEVBWTVhUkhLdkZ3UE9VRnVPTFVKUTVMTUxyWU1rN2hMR3BUQTJ3X0tJWWQ5TTdqR0UwTkQwelNHSlQ5M0JPY2s4VjZ5WF9UMlJUMVdEelpPaWFHcFBfVVBwY0VYWE9QY1RHTl9EZDJvRUJ6NHUyT3hHaHNSYw?oc=5) · Building Indiana Business
- 2026-03-09 [State regulators intend to approve merger of two Alaska credit unions - Alaska Beacon](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOazgxWmgxM0ZTQ1JoMkUzdFFrZVRuSE1USy1hRHRNM2RqRlpsQ2xDb3JDYXlQLWdTdVVGVVBKUHU4N2o4VmplcVdSLXpNRnBwQkN1aGRFYUhfZXQ1OXRCWlJyOWVPOUJhaWxDTDU2Uzhoc0NEWHVzQ3ctbnBEeUxzVnp1RGdhV1JPd2lLQ19ZZk5uS3FjZlRwNVlfUEo2NWFlQ2hhc0l4azhjUQ?oc=5) · Alaska Beacon

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82791 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/39.json (key "82791", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=82791
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide