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B.E.A. Credit Union Share
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Overview Share
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B.E.A. Credit Union is a federally insured state credit union based in Bethalto, Illinois. It has been opened since 1954, for 68 years.

With around $3,550,000 in assets, B.E.A. Credit Union is considered to be a small credit union.

About Share
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Address 610 Texas Boulevard
Bethalto, Illinois 62010
Phone (618) 377-3948
Fax (618) 377-2702
CEO Joseph D. Schoppet
President of the Board Stephen Lowrance
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
562 members
Membership type: State chartered natural person credit union
Below average number of members
1,124:1
Credit union member to staff ratio
1,124 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$3,548,511
Total assets
Below average
0 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
0.70%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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0 branches
Compared with an average of 4 nationally and 2 in Illinois
Above average number of branches
B.E.A. Credit Union Branch Locations

B.E.A. Credit Union: Bea Credit Union
610 Texas Boulevard
Bethalto, Illinois 62010
No ATM
B.E.A. Credit Union: Bea Credit Union
610 Texas Boulevard
Bethalto, Illinois 62010
No ATM
Members Share
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562 members
Membership type: State chartered natural person credit union
Below average number of members

With 562 members, the B.E.A. Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 89% of credit unions.

Fees Share
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Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the B.E.A. Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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1,124:1
Credit union member to staff ratio
1,124 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
0 staff members
FTE (full-time equivalent)
100% of employees are part-time
0 full-time, 1 part-time

B.E.A. Credit Union has 0 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 100% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. B.E.A. Credit Union has around 1,124 members per staff, a high ratio compared to other credit unions.

Assets Share
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$3,548,511
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
17.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$8,366
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 66% of credit unions.

B.E.A. Credit Union holds a total of $2,960,000 in loans and leases, which is about $8,366 per member on average.

Savings interest rate Share
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0.70%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. B.E.A. Credit Union pays 0.70%.

Loan rates Share
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11.22%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.65%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.93%
New car loan rate
Compared to 4.0% nationally
3.81%
Used car loan rate
Compared to 5.2% nationally

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B.E.A. Credit Union: Bea Credit Union
Credit Union Branch: 610 Texas Boulevard
Bethalto, Illinois 62010 No ATM
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
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