Beacon Financial Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 11.5 percent and a “hot money” ratio of 11.4 percent. Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 7.5.
Asset Mix:
Home mtgs (41%), consumer loans (17%), comm loans (0%), other (42%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1102 West Market Street
Johnson City, TN 37604
Johnson City, TN 37604
Phone Number
(423) 975-0025
NCUA Charter Number
Website
Largest Competitors
Kingsport, TN
Knoxville, TN
Oak Ridge, TN
Johnson City, TN
Johnson City, TN