BEACON FINANCIAL Credit Union Profile

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BEACON FINANCIAL

Charter #67776 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 431-6361

Fax:

Founding Date: N/A

Website: http://www.beaconfcu.org

Personnel & Operations

President: Tate, Shana

Manager: Nelms, John-Michael

FT Employees: 12

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: 9:00 am - 4:30 pm

Credit Union Profile Summary

BEACON FINANCIAL is a FISCU Credit Union. With a total of 2,206 members ^[1], this institution manages approximately $32,074,488 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.18% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.87% ^[1].

Financial Snapshot

Total Assets ^[1]

$32,074,488

Total economic resources.

Total Loans ^[1]

$25,130,613

Total value of outstanding loans.

Total Deposits ^[1]

$29,018,809

Total funds deposited by members.

Members ^[1]

2,206

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.18%

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]

0.00%

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

Loan-to-Share Ratio ^[1]

86.60%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.27%

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

Loan Growth (4Q) ^[1]

↓ -1.87%

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

Member Growth (4Q) ^[1]

↑ 1.24%

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

Headquarters Location & Map

Headquarters Address

400 N State of Franklin Rd

Johnson City, TN, 37604

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 3 branches reported by BEACON FINANCIAL (Charter #67776).

Main Office

Beacon Financial Credit Union Main Office

Type: Corporate Office

400 N State of Franklin Rd

Johnson City, TN 37604

Phone: (423) 431-6361

Services: Member Services, ATM

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Additional Branches

Johnson City