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 (2.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.9, driven by a liquidity ratio of 7.8 percent and a “hot money” ratio of 15.0 percent. A current level of 11.1 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (5.0).
Asset Mix:
Consumer loans (32%), home mtgs (25%), other (43%)
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
Tullahoma, TN
Johnson City, TN
Johnson City, TN