Bar-Cons Federal Credit Union
Total assets
$53.8M
▲ +0.8% YoY
Shares & deposits
$44.3M
▼ -0.7% YoY
Loans
$42.1M
▲ +5.7% YoY
Members
4,868
▲ +3.4% YoY
ROA (annualized)
-0.20%
peers 0.60%
ROE (annualized)
-1.19%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | +5.7% | -2.4% | +8.0 pts |
| ROA | -0.20% | 0.60% | -0.8 pts |
| ROE | -1.2% | 4.1% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1965
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1142 N Marr Rd, Columbus, IN, 47201
- NCUA charter #
- 17040
- RSSD ID
- 998880
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $53.8M | $44.3M | $42.1M | $9.3M | $-27K | -0.20% | 4.78% | 0.23% | 4,868 |
| Q4 2025 | $51.6M | $42.1M | $42.3M | $9.2M | $1.1M | 2.22% | 5.59% | 0.19% | 4,827 |
| Q3 2025 | $53.0M | $43.8M | $41.3M | $8.9M | $773K | 1.95% | 5.36% | 0.38% | 4,801 |
| Q2 2025 | $51.6M | $42.6M | $40.8M | $8.7M | $649K | 2.52% | 6.76% | 0.43% | 4,769 |
| Q1 2025 | $53.3M | $44.6M | $39.9M | $8.5M | $457K | 3.43% | 6.25% | 0.30% | 4,707 |
| Q4 2024 | $50.6M | $42.3M | $38.8M | $8.1M | $942K | 1.86% | 5.02% | 0.22% | 4,680 |
| Q3 2024 | $49.6M | $41.6M | $37.7M | $7.8M | $457K | 1.23% | 4.92% | 0.16% | 4,348 |
| Q2 2024 | $48.8M | $41.1M | $37.3M | $7.3M | $414K | 1.70% | 6.30% | 0.33% | 4,655 |
Loan mix (Q1 2026): real estate $11.8M · commercial $0 · consumer $25.4M · securities $5.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.20% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.2% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 81.5% | 63th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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