BlastPoint's Credit Union Scorecard
BAR-CONS
Charter #17040 · IN
BAR-CONS has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.31% above tier average
- + Loan-to-Share Ratio: Top 3.1% in tier
- + Total Loans: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 71 that size in Indiana.
- Shares and deposits +1.2% year over year ($43.1M in shares and deposits).
- Membership: 4,885 members, +2.4% vs a year ago.
- Delinquency rate 1.21%.
- Return on assets 1.21%.
- Efficiency ratio 70.69% vs a 88.77% peer average.
- Loan-to-share ratio 100.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,885
+2.4% YoY+0.3% QoQ
|
+2.3K |
2,585
-1.7% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
Top 14.1% in tier |
| Assets |
$52.8M
+2.4% YoY-1.8% QoQ
|
+$22.6M |
$30.3M
+1.5% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$43.2M
+5.8% YoY+2.5% QoQ
|
+$27.7M |
$15.5M
-1.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
Top 8.3% in tier |
| Deposits |
$43.1M
+1.2% YoY-2.7% QoQ
|
+$17.3M |
$25.8M
+1.1% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
1.2%
-50.9% YoY-694.2% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
5.2%
-21.6% YoY+9.0% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
70.7%
+5.6% YoY-18.9% QoQ
|
-18.1% |
88.8%
-6.9% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
1.2%
+182.2% YoY+430.6% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
100.1%
+4.5% YoY+5.3% QoQ
|
+41.2% |
58.9%
-3.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
Top 3.2% in tier |
| AMR |
$17,665
+1.0% YoY-0.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
4.5%
-16.5% YoY-7.3% QoQ
|
-20.0% | 24.6% | 19.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)