BlastPoint's Credit Union Scorecard
BAR-CONS
Charter #17040 · IN
BAR-CONS shows strong momentum with 7 strengths and 10.4% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.29% above tier average
- + Net Interest Margin 1.50% above tier average
- + Strong member growth: 10.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.2% in tier
- + Loan-to-Share Ratio: Top 7.4% in tier
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,801
+10.4% YoY+0.7% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$53.0M
+6.7% YoY+2.7% QoQ
|
+$23.1M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$41.3M
+9.6% YoY+1.3% QoQ
|
+$25.6M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 9.7% in tier |
| Deposits |
$43.8M
+5.4% YoY+2.8% QoQ
|
+$18.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
78% |
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| ROA |
2.0%
+59.3% YoY-20.3% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 9.5% in tier |
| NIM |
5.4%
+9.6% YoY-18.2% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
67.6%
+8.7% YoY+1.0% QoQ
|
-13.8% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.4%
+130.1% YoY-11.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
94.3%
+4.0% YoY-1.5% QoQ
|
+33.1% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.6% in tier |
| AMR |
$17,733
-2.8% YoY+1.4% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
5.4%
+29.2% YoY-1.5% QoQ
|
-19.1% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)