B.E.A. Credit Union Profile

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B.E.A.

Charter #65759 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (618) 377-3948

Fax: (618) 377-2702

Founding Date: N/A

Personnel & Operations

President: Lowrance, Stephen

Manager: Schoppet, Joseph

FT Employees: 0

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 3:30 - 5:30 M,W, F

Credit Union Profile Summary

B.E.A. is a FISCU Credit Union. With a total of 429 members [1], this institution manages approximately $2,465,704 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 25.83% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.22% [1].

Financial Snapshot

Total Assets [1]
$2,465,704

Total economic resources.

Total Loans [1]
$2,047,333

Total value of outstanding loans.

Total Deposits [1]
$1,759,729

Total funds deposited by members.

Members [1]
429

Number of active members.

Performance Ratios

Net Worth Ratio [1]
25.83%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.43%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
116.34%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-12.54%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-7.22%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-3.81%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

101 School St

Bethalto, IL, 62010

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by B.E.A. (Charter #65759).

Main Office

BEA Credit Union Main Office

Type: Corporate Office

101 School St

Bethalto, IL 62010

Phone: (618) 377-3948

Services: None specified

Open in Directions

Additional Branches

Bethalto

BEA Credit Union

Type: Corporate Office

610 Texas Blvd

Bethalto, IL 62010

Phone: (618) 377-3948

Services: None specified

Open in Directions