Credit Union Safety Analysis
Is Bar-Cons Federal Credit Union Safe? Columbus, Indiana
Based on its Q2 2026 NCUA 5300 call report, Bar-Cons Federal Credit Union has a net worth ratio of 17.96%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.21%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bar-Cons Federal Credit Union's net worth ratio is 17.96%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.96%
- Delinquency ratio (60+ days) (Q2 2026): 1.21%
- Return on assets (Q2 2026): 2.66%
- Loan-to-share ratio (Q2 2026): 100.07%
Bar-Cons Federal Credit Union (NCUA charter 17040, established 1965) reported $52.8M in assets and 4,885 members for Q2 2026 from Columbus, Indiana. It ranks 64 of 118 credit unions in Indiana by total assets. Total assets grew 2.4% from $51.6M on June 30, 2025. It has 116 more members than on June 30, 2025 (+2.4%). Its net worth ratio was up 1.01 percentage points from 16.95% on June 30, 2025. Used vehicle loans are its largest loan category, $16.7M of $43.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.21% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.20% for Q1 2026; 16.95% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.23% for Q1 2026; 0.43% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.20% for Q1 2026; 1.49% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 95.02% for Q1 2026; 95.76% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $16.7M
- 1- to 4-family residential and other consumer real estate loans: $12.7M
- New vehicle loans: $6.4M
- Other secured non-real estate loans and lines of credit: $4.8M
- Other unsecured loans and lines of credit: $1.6M
- Unsecured credit card loans: $981K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $52.8M | 17.96% | 1.21% | 2.66% | 100.07% |
| March 31, 2026 | $53.8M | 17.20% | 0.23% | -0.20% | 95.02% |
| December 31, 2025 | $51.6M | 17.87% | 0.19% | 2.88% | 100.47% |
| September 30, 2025 | $53.0M | 16.80% | 0.38% | 0.94% | 94.31% |
| June 30, 2025 | $51.6M | 16.95% | 0.43% | 1.49% | 95.76% |
| March 31, 2025 | $53.3M | 15.98% | 0.30% | 3.43% | 89.30% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Bar-Cons Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17040) · FFIEC NIC profile (RSSD 998880)
Frequently asked questions
Is Bar-Cons Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bar-Cons Federal Credit Union's net worth ratio is 17.96%, above the 7% NCUA threshold for well capitalized.
Is Bar-Cons Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bar-Cons Federal Credit Union is a federally insured credit union (NCUA charter 17040): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bar-Cons Federal Credit Union's key safety ratios?
For Q2 2026, Bar-Cons Federal Credit Union reports net worth 17.96%, delinquency 1.21%, ROA 2.66%, loan-to-share 100.07%.
What happens to my money if Bar-Cons Federal Credit Union fails?
For Q2 2026, Bar-Cons Federal Credit Union held $43.1M in shares and deposits for 4,885 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.