BlastPoint's Credit Union Scorecard
BAR-CONS
Charter #17040 · IN
BAR-CONS demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.57% above tier average
- + Net Interest Margin 1.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.0% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,827
+3.1% YoY+0.5% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$51.6M
+2.0% YoY-2.6% QoQ
|
+$21.4M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$42.3M
+8.9% YoY+2.3% QoQ
|
+$26.5M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.8% in tier |
| Deposits |
$42.1M
-0.5% YoY-4.0% QoQ
|
+$16.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
2.2%
+16.4% YoY+11.0% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
Top 5.0% in tier |
| NIM |
5.5%
+8.8% YoY+1.5% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
65.5%
+7.4% YoY-3.1% QoQ
|
-17.1% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.2%
-9.8% YoY-48.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
100.5%
+9.4% YoY+6.5% QoQ
|
+39.9% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$17,468
+0.8% YoY-1.5% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
5.1%
-3.7% YoY-4.2% QoQ
|
-19.3% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 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)