Civic Intelligence

Beacon Credit Union Inc

EIN 54-0606388 • 501(c)14 • Lynchburg, VA

View Organization Page

Profile

The mission of BCU is to serve its members with loan and deposit products that meet their financial needs and help achieve their financial goals.

107 Leroy Bowen DriveLynchburg, VA 24502

www.mybcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

40th percentile

0.89x

Higher debt load relative to assets than 40% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

16th percentile

12.28x

Higher debt load relative to revenue than 16% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

57th percentile

11%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

80th percentile

7.2%

Faster asset growth than 80% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

77th percentile

21%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$332,485,880

Up $29,019,253 (+9.6%) from 2023

Liabilities

Up

$297,273,091

Up $26,317,150 (+9.7%) from 2023

Net Assets

Up

$35,212,789

Up $2,702,103 (+8.3%) from 2023

Operations
Liabilities / Revenue16th percentileNet Margin57th percentile

Revenue

Up

$24,198,465

Up $3,251,730 (+16%) from 2023

Expenses

Up

$21,496,362

Up $4,589,836 (+27%) from 2023

Net Income

Down

$2,702,103

Down $1,338,106 (-33%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth80th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $76,891,864Liabilities 2010: $69,603,323Net Assets 2010: $7,288,5412010Assets 2011: $84,616,968Liabilities 2011: $76,468,405Net Assets 2011: $8,148,5632011Assets 2012: $92,451,122Liabilities 2012: $83,179,390Net Assets 2012: $9,271,7322012Assets 2013: $111,971,785Liabilities 2013: $99,899,463Net Assets 2013: $12,072,3222013Assets 2014: $135,352,336Liabilities 2014: $122,572,679Net Assets 2014: $12,779,6572014Assets 2015: $154,404,417Liabilities 2015: $140,596,036Net Assets 2015: $13,808,3812015Assets 2016: $159,069,342Liabilities 2016: $145,180,399Net Assets 2016: $13,888,9432016Assets 2017: $177,294,477Liabilities 2017: $158,265,724Net Assets 2017: $19,028,7532017Assets 2018: $185,540,076Liabilities 2018: $165,935,850Net Assets 2018: $19,604,2262018Assets 2019: $211,107,402Liabilities 2019: $190,697,381Net Assets 2019: $20,410,0212019Assets 2020: $227,358,861Liabilities 2020: $205,079,964Net Assets 2020: $22,278,8972020Assets 2021: $245,953,598Liabilities 2021: $220,579,972Net Assets 2021: $25,373,6262021Assets 2022: $289,405,166Liabilities 2022: $260,434,689Net Assets 2022: $28,970,4772022Assets 2023: $303,466,627Liabilities 2023: $270,955,941Net Assets 2023: $32,510,6862023Assets 2024: $332,485,880Liabilities 2024: $297,273,091Net Assets 2024: $35,212,7892024

Highlighted filing

2024

Assets$332,485,880
Liabilities$297,273,091
Net Assets$35,212,789
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $5,890,7102010Expenses 2011: $6,056,3482011Expenses 2012: $6,491,1052012Revenue 2013: $8,155,623Expenses 2013: $7,126,319Net Income 2013: $1,029,3042013Revenue 2014: $9,965,785Expenses 2014: $9,258,100Net Income 2014: $707,6852014Revenue 2015: $12,170,317Expenses 2015: $11,205,378Net Income 2015: $964,9392015Revenue 2016: $12,730,043Expenses 2016: $12,649,481Net Income 2016: $80,5622016Revenue 2017: $12,051,344Expenses 2017: $11,253,352Net Income 2017: $797,9922017Revenue 2018: $12,433,633Expenses 2018: $11,531,565Net Income 2018: $902,0682018Revenue 2019: $13,730,683Expenses 2019: $12,924,888Net Income 2019: $805,7952019Revenue 2020: $13,991,814Expenses 2020: $12,342,738Net Income 2020: $1,649,0762020Revenue 2021: $14,508,357Expenses 2021: $11,413,628Net Income 2021: $3,094,7292021Revenue 2022: $16,479,530Expenses 2022: $12,882,679Net Income 2022: $3,596,8512022Revenue 2023: $20,946,735Expenses 2023: $16,906,526Net Income 2023: $4,040,2092023Revenue 2024: $24,198,465Expenses 2024: $21,496,362Net Income 2024: $2,702,1032024

Highlighted filing

2024

Revenue$24,198,465
Expenses$21,496,362
Net Income$2,702,103
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$332,485,880
Liabilities
$297,273,091
Net assets
$35,212,789
Revenue
$24,198,465
Expenses
$21,496,362
Net income
$2,702,103
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$332$297$35.2$24.2$21.5$2.70
2023Detailed filing. Detailed filing data is available for this year.$303$271$32.5$20.9$16.9$4.04
2022Detailed filing. Detailed filing data is available for this year.$289$260$29.0$16.5$12.9$3.60
2021Detailed filing. Detailed filing data is available for this year.$246$221$25.4$14.5$11.4$3.09
2020Detailed filing. Detailed filing data is available for this year.$227$205$22.3$14.0$12.3$1.65
2019Detailed filing. Detailed filing data is available for this year.$211$191$20.4$13.7$12.9$0.81
2018Detailed filing. Detailed filing data is available for this year.$186$166$19.6$12.4$11.5$0.90
2017Detailed filing. Detailed filing data is available for this year.$177$158$19.0$12.1$11.3$0.80
2016Detailed filing. Detailed filing data is available for this year.$159$145$13.9$12.7$12.6$0.08
2015Detailed filing. Detailed filing data is available for this year.$154$141$13.8$12.2$11.2$0.96
2014Detailed filing. Detailed filing data is available for this year.$135$123$12.8$9.97$9.26$0.71
2013Detailed filing. Detailed filing data is available for this year.$112$99.9$12.1$8.16$7.13$1.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.5$83.2$9.27$6.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.6$76.5$8.15$6.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.9$69.6$7.29$5.89
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 22, 2025
Return Version
2024v5.0
Gross Receipts
$24,198,465
Mission and Program Overview

Mission

The mission of BCU is to serve its members with loan and deposit products that meet their financial needs and help achieve their financial goals.

The mission of Beacon Credit Union is to serve its members with loan and deposit products that meet their financial needs and help achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$255,572,486$279,569,404▲ $23,996,918
Cash and Non-Interest-Bearing Accounts$22,905,064$27,091,777▲ $4,186,713
Land, Buildings, and Equipment, Net$9,309,621$10,321,750▲ $1,012,129
Prepaid Expenses and Deferred Charges$4,881,487$4,601,752▼ $279,735
Investments Other Securities$1,282,861$1,360,594▲ $77,733
Receivables From Officers Etc$661,763$606,443▼ $55,320
Savings and Temporary Cash Investments-$439,079-
Accounts Receivable$12,590$12,080▼ $510
Loans From Officers Directors$0$0→ $0
Total Assets$303,466,627$332,485,880▲ $29,019,253
Other Assets Total$8,840,755$8,483,001▼ $357,754
Liabilities
Other Liabilities$260,004,802$286,251,361▲ $26,246,559
Mortgage Notes Payable Secured by Investment Property$9,000,000$9,000,000→ $0
Accounts Payable and Accrued Expenses$1,951,139$2,021,730▲ $70,591
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$270,955,941$297,273,091▲ $26,317,150
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$32,510,686$35,212,789▲ $2,702,103
Net Assets With Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$32,510,686$35,212,789▲ $2,702,103
Total Liabilities and Net Assets / Fund Balance$303,466,627$332,485,880▲ $29,019,253

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,629,103$2,120,472$0
Other Land Buildings$0$0$0
Land$4,525,229-$0
Equipment$878,563$4,718,490$0
Leasehold Improvements$288,855$77,190$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg McConvilleCEOFT$449,616$162,263$611,879
Susan KrantzSVP of OperationsFT$202,757$42,887$245,644
Joe GoudeSVP of RetailFT$186,449$53,593$240,042
Terry HammondCFOFT$181,560$57,397$238,957
Laura ShaferVP--RetailFT$115,675-$115,675
Adam CarpenterVP--itFT$113,925-$113,925
Lisa GordonVP--PersonnelFT$110,313-$110,313
Nicole MillerControllerFT$107,721-$107,721
Kathy SmithAsst Secretary of the Board-$6,000-$6,000
Philip HynesChairman of the Board-$6,000-$6,000
Wendy AyersVice Chairman of the Board-$6,000-$6,000
Wes GordonTreasurer-$6,000-$6,000
William ColemanDirector-$6,000-$6,000
Nancy ComptonSecretary of the Board-$5,500-$5,500
Sandra WilliamsDirector-$5,500-$5,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Dennis WalkerCleaning Services108 Chapel Lane, Lynchburg, VA 24501$179,315
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$1,053,163
Other Revenue
$23,145,302
Change in Net Assets
$2,702,103

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,198,465
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$24,198,465
Total Revenue per Form 990
$24,198,465
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,916,799
Salaries, Compensation, and Employee Benefits$7,579,563
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$5,284,613
Other Salaries and Wages---$3,976,506
Other Expenses---$1,898,000
Current Officers, Directors, Trustees, and Key Employees---$1,577,878
Office Expenses---$1,533,283
Fees for Services Other---$1,456,374
Other Employee Benefits---$1,208,693
Information Technology---$1,133,034
Advertising---$1,022,753
Occupancy---$706,282
Depreciation Depletion---$550,228
Pension Plan Contributions---$408,435
Payroll Taxes---$408,051
All Other Expenses---$155,865
Insurance---$111,889
Fees for Services Accounting---$58,261
Conferences and Meetings---$6,217
Total Functional Expenses$0$0$0$21,496,362

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,496,362
Total Expenses per Audited Statements$21,496,362
Total Expenses per Form 990$21,496,362
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$661,763$606,443▼ $55,320
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposit Accounts$286,251,361
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit unions have members that hold one share of stock each. No member can hold more than one share.”

Form 990, Part VI, Section A, Line 7B

“Mergers need approval by the membership--i.e. we are merging with another credit union and would not survive the merger.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the CEO and CFO before submission to the IRS. Form 990 is available upon request.”

Form 990, Part VI, Section B, Line 12C

“Conflicts of interest are reported when they occur. Each director annually completes a conflict of interest questionaire.”

Form 990, Part VI, Section B, Line 15

“Annual salary studies are done.”

Form 990, Part VI, Section C, Line 19

“Our governing documents and conflict of interest policy are not available to the public. Our financial statements are available on the NCUA website--www.ncua.gov--call report section and in our annual report to members. Our Form 990 is available upon request.”

Filing and Contact Details

Filer

Filer Name
Beacon Credit Union Inc
EIN
54-0606388
Phone
4342371566
Address
107 Leroy Bowen Drive, Lynchburg, VA 24502

Signing Officer

Name
Terry Hammond
Title
CFO
Phone
4342371566
Signed
2025-08-22

Organization Details

Principal Officer
Greg McConville
Formed
1939
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
7
Employees
116
Volunteers
15
Raw XML AppendixShowing 400 of 644 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm1Susan Krantz
IRS990/Form990PartVIISectionAGrp/PersonNm2Joe Goude
IRS990/Form990PartVIISectionAGrp/PersonNm3Terry Hammond
IRS990/Form990PartVIISectionAGrp/PersonNm4Laura Shafer
IRS990/Form990PartVIISectionAGrp/PersonNm5Adam Carpenter
IRS990/Form990PartVIISectionAGrp/PersonNm6Lisa Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm7Nicole Miller
IRS990/Form990PartVIISectionAGrp/PersonNm8Wendy Ayers
IRS990/Form990PartVIISectionAGrp/PersonNm9Kathy Smith
IRS990/Form990PartVIISectionAGrp/PersonNm10Philip Hynes
IRS990/Form990PartVIISectionAGrp/PersonNm11William Coleman
IRS990/Form990PartVIISectionAGrp/PersonNm12Wes Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm13Nancy Compton
IRS990/Form990PartVIISectionAGrp/PersonNm14Sandra Williams
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SVP of Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt2SVP of Retail
IRS990/Form990PartVIISectionAGrp/TitleTxt3CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP--Retail
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP--IT
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP--Personnel
IRS990/Form990PartVIISectionAGrp/TitleTxt7Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt8Vice Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt9Asst Secretary of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Secretary of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
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IRS990/MissionDesc0The mission of BCU is to serve its members with loan and deposit products that meet their financial needs and help achieve their financial goals.
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IRS990/PrincipalOfficerNm0Greg McConville
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