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Credit union call report ยท Columbus, IN

Bar-Cons Federal Credit Union Call Report

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Bar-Cons Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 248 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Bar-Cons Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number17040
Federal Reserve RSSD ID998880

The official copy: search charter number 17040 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Bar-Cons Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Bar-Cons Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $870K
1c. Total Cash on Hand 730A $870K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.8M
2. Cash on Deposit (total) 730B $1.8M
3. Time Deposits in Banks and Credit Unions AS0007 $5.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $7.8M
6. Equity Securities AS0055 $410K
11. TOTAL INVESTMENT SECURITIES AS0013 $410K
12b. Perpetual Contributed Capital 769B $110K
13. TOTAL OTHER INVESTMENTS AS0017 $110K
15a. Number of Total Loans and Leases 025A 3,357
15b. Total Loans and Leases 025B $43.2M
17. ACL on Loans and Leases AS0048 $463K
19. Land and Building 007 $150K
20. Other Fixed Assets 008 $967K
21. NCUA Share Insurance Capitalization Deposit 794 $421K
22d. Accrued Interest on Loans 009A $119K
22e. Accrued Interest on Investments 009B $21K
22f. All Other Assets 009C $146K
22g. Total Other Assets AS0036 $286K
23. TOTAL ASSETS 010 $52.8M
Accounts Payable and Other Liabilities 825 $217K
Member Shares of All Types 013 $43.1M
Total Shares and Deposits 018 $43.1M
Undivided Earnings 940 $8.7M
Other Reserves 658 $475K
Net Income (equity) 602 $273K
Total Net Worth 997 $9.5M
Net Worth Ratio 998 17.96%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $52.8M
Statement of Income and Expense (23 items)
Bar-Cons Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.3M
3. Income from Investments 120 $126K
5. TOTAL INTEREST INCOME 115 $1.4M
6. Dividends on Shares 380 $61K
9. TOTAL INTEREST EXPENSE 350 $61K
10. NET INTEREST INCOME IS0010 $1.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $194K
12e. Total Credit Loss Expense IS0017 $194K
13. Fee Income 131 $151K
14. Other Operating Income IS0020 $178K
15. Gain (Loss) on Equity/Trading Securities IS0046 $50K
23. TOTAL NON-INTEREST INCOME 117 $379K
24. Employee Compensation and Benefits 210 $571K
25. Travel and Conference 230 $2K
26. Office Occupancy 250 $38K
27. Office Operations 260 $141K
28. Educational and Promotional 270 $55K
29. Loan Servicing 280 $79K
30. Professional and Outside Services 290 $325K
31. Member Insurance 310 $9K
33. Miscellaneous Operating Expense 360 $28K
34. TOTAL NON-INTEREST EXPENSE 671 $1.2M
35. NET INCOME 661A $324K
Statement pages - all other filed accounts (22 items)

delinquency (21%), credit cards (21%)

Bar-Cons Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $246K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $302K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $4K
Loans Granted Year-to-Date 031A $460
Amount of Loans Granted Year-to-Date 031B $7.5M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $522K
Number of current members (not number of accounts) 083 4,885
Number of potential members 084 17,098
Interest Rate of Unsecured Credit Card Loans 521 1,190.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,196.00%
Interest Rate of New Vehicle Loans 523 379.00%
Interest Rate of Used Vehicle Loans 524 638.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $84K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $9K
Total Amount of All Other Shares 630 $4.3M
Amount of Regular Shares 657 $20.0M
Amount of Share Drafts 902 $11.3M
IRA/KEOGH Accounts - < 1 Year 906A $518K
Share Certificates - < 1 Year 908A $1.4M
Total Amount of Share Certificates 908C $2.0M
Total Amount of Money Market Shares 911 $5.0M
Number of Used Vehicle Loans 968 917
NCUA form-section FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Bar-Cons Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $42.5M
Total Shares - 1-3 Years 013B1 $71K
Total Shares - > 3 Years 013B2 $529K
Total Shares and Deposits - < 1 Year 018A $42.5M
Total Shares and Deposits - 1-3 Years 018B1 $71K
Total Shares and Deposits - > 3 Years 018B2 $529K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 15
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $16.7M
Amount of New Vehicle Loans 385 $6.4M
Amount of Unsecured Credit Card Loans 396 $981K
Amount of All Other Unsecured Loans/Lines of Credit 397 $1.6M
Share Certificates 451 $66
Number of Accounts for Share Drafts 452 2,612
IRA/KEOGH Accounts 453 $23
Number of Accounts for Regular Shares 454 4,675
All other shares 455 $1K
Money Market Shares 458 $110
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 8,806
Number of credit union employees who are Full-Time (26 hours or more) 564A 14
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $2.3M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,781.00%
Total credit lines 881 $5.5M
NCUA form-section FS220B (21 items)

maturity and repricing buckets (40%), credit cards (17%)

Bar-Cons Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $4K
Number - Total Delinquent Credit Card Loans 045A 3
Total Amount of Delinquent Unsecured Credit Card Loans 045B $17K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $43.1M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
All other shares - < 1 Year 630A $4.3M
Amount of Regular Shares - < 1 Year 657A $20.0M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $10K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Amount of Share Drafts - < 1 Year 902A $11.3M
Total Amount of IRA/KEOGH Accounts 906C $518K
Share Certificates - 1-3 Years 908B1 $71K
Share Certificates - > 3 Years 908B2 $529K
Money Market Shares - < 1 Year 911A $5.0M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $11K
Number of New Vehicle Loans 958 229
Total Shares 966 $9K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $71K
Number of Unsecured Credit Card Loans 993 1,182
Number of All Other Unsecured Loans/Lines of Credit 994 619
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 7
NCUA form-section FS220C (4 items)

charge-offs and recoveries (27%), participation loans (18%)

Bar-Cons Federal Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.8M
Outstanding balance of brokered certificates of deposit and share certificates 788 $2.0M
NCUA form-section FS220D (24 items)

member services and products offered (69%), CUSO relationships (27%)

Bar-Cons Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (1 item)

loans and leases (32%), participation loans (18%)

Bar-Cons Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $5.5M
NCUA form-section FS220H (1 item)

student loans (43%), delinquency (27%)

Bar-Cons Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $6.4M
NCUA form-section FS220I (7 items)

vehicle lending (59%), delinquency (44%)

Bar-Cons Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $211K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $71K
Number of Reportable Delinquent Used Vehicle Loans 035E2 7
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $97K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $45K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $2K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $13K
NCUA form-section FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Bar-Cons Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $3K
Total Amount of Loans & Leases on Loan Schedule 025B1 $43.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $7.3M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 824.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 371.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 620.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $4.8M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.3M
NCUA form-section FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Bar-Cons Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $1.2M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.7M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $595K
Total Unfunded Commitments for Non-Commercial Loans 816T $6.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $950K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 22
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 173
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 215
NCUA form-section FS220N (4 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Bar-Cons Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Equity Securities > 10 Years AS0054 $410K
Total Liabilities LI0069 $43.3M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $62K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $52.8M
NCUA form-section FS220P (19 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Bar-Cons Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $29K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $5K
Unsecured Credit Card Loans DL0002 $13K
All Other Unsecured Loans/Lines of Credit DL0022 $23K
All Other Unsecured Loans/Lines of Credit DL0024 $20K
All Other Unsecured Loans/Lines of Credit DL0027 $20K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
Used Vehicle Loans DL0037 $27K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $7K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $10K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $10K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $170K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $170K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $1
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $207K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $207K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $220K
NCUA form-section FS220Q (17 items)

investment portfolio detail (69%)

Bar-Cons Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Trading Investments - Equity Securities - Other Equities NV0108 $410K
Trading Investments - Equity Securities - Total Equity Securities NV0109 $410K
Total Trading Debt and Equity Securities NV0110 $410K
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $5.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $5.2M
Investment Maturity Distribution - Equity Securities - Total NV0122 $410K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $110K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $110K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $5.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $520K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $5.7M
RBC Total Equity RB0001 $9.5M
RBC Allowance for Credit Losses RB0002 $463K
RBC Total Additions RB0005 $463K
RBC Total Deductions RB0009 $421K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $9.5M
RBC Risk-Based Capital Numerator RB0012 $9.5M
NCUA form-section FS220R (35 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Bar-Cons Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $520K
RBC Schedule Total Consumer Loans RB0060 $30.5M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $463K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $463K
RBC Schedule Total Loans RB0079 $42.7M
RBC Total for Risk Weighting Total Loans RB0081 -$463K
RBC Total Loans 0% Weight RB0082 -$463K
RBC Schedule Total Other Assets RB0088 $1.8M
RBC Total for Risk Weighting Other Assets RB0090 $421K
RBC Other Assets 0% Weight RB0091 $421K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $52.8M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$43K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$43K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $52.8M
RBC Allowance for Credit Losses (Loans) RB0177 $463K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 19.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,691,823.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 789,300.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 4.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,648,310.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $789K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 153.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 6,714,353.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 1,180,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 19.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 624,771.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 160,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $7.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $1.3M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $195
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $12.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $2.1M
Total Shares SH0013 $43.1M
Total Shares and Deposits SH0018 $43.1M

Bar-Cons Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Bar-Cons Federal Credit Union call report?

The Bar-Cons Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Bar-Cons Federal Credit Union file?

Bar-Cons Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Bar-Cons Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Bar-Cons Federal Credit Union is 17040.

How often does Bar-Cons Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Bar-Cons Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.