BAR-CONS
Charter #17040 · Columbus, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.20% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.21% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.88% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.23% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BAR-CONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.78M | 9th pct | 38th pct |
| Members | 4,868 | 47th pct | 43th pct |
| Net worth ratio | 17.20% | 82th pct | 79th pct |
| Return on average assets | -0.21% | 10th pct | 8th pct |
| Net interest margin | 4.88% | 95th pct | 75th pct |
| Cost of funds | 0.24% | 11th pct | 11th pct |
| Loan-to-share | 95.02% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.23% | 23th pct | 18th pct |
| Net charge-off ratio | 0.40% | 64th pct | 57th pct |
| Loan growth YoY | 1.93% | 79th pct | 75th pct |
| Share growth YoY | 1.17% | 31th pct | 33th pct |
| Efficiency ratio | 87.16% | 72th pct | 72th pct |
structural peer set hash: 1b122919787b41c267552a0e0f4acae3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.