# BAR-CONS
Columbus, IN · NCUA charter 17040 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bar-cons-17040

Who the members are: federal charter, multiple common bond, organized 1965. 4,868 members of 17,038 potential (28.6% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *too clean*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $53.8M |
| Members | 4,868 (3.4% YoY) |
| Full-time staff | 13 |
| Net worth | $9.3M |
| Net worth ratio | 17.2% (p82 of band) |
| ROA (annualized) | -0.20% (p10 of band) |
| Total delinquency | 0.23% (p23 of band) |
| Net charge-offs (annualized) | 0.40% (p64 of band) |
| Loans / shares | 95% (p98 of band) |
| Cash / assets | 19.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.78% (p93 of band) |
| Operating expense / assets | 4.77% (p85 of band) |
| Vehicles % of loans | 54% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.32% (p34 of band) |
| Vehicle NCO | 0.59% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 5% |
| Average share balance | $5,050 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $12,614 |
| Loans granted, annualized | $16.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 | members leaving | delinquency rising |
| 2020-03 | 1 | delinquency rising | members leaving |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 0 |  | delinquency rising, net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze, delinquency rising |
| 2021-09 | 1 | delinquency rising |  |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | delinquency rising | charge-offs p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising, assets shrinking |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | assets shrinking |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | loans>95% of shares |  |
| 2025-09 | 1 | delinquency rising | loans>95% of shares |
| 2025-12 | 1 | loans>95% of shares | delinquency rising |
| 2026-03 | 3 | losing money, margin squeeze |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-03-20 [Obituary information for Ms. Kimberly "Kim" Dawn Beecher - Barkes, Weaver & Glick Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMikAFBVV95cUxOLUpYRWowZldiaWh3WnV2dXFfMENzLUN6bFRQSDhuM2JOMldxYldxZExESmdTZ1lJWG1nVHRmU0tJZFNtUTJDTlRScVdISnpaU1FxUWpHZUhTaGg4LW5LMUdiZzR6WUozTjRFSmUzOGpxQkN6VDVWX2txSUdfZldJWnhPQ0FOak0tQjVCS0phTlM?oc=5) · Barkes, Weaver & Glick Funeral Homes and Crematory
- 2026-07-29 [Court news – July 13 – 24 - The Republic News](https://news.google.com/rss/articles/CBMibkFVX3lxTE83YnlUa043N0N2cGF4Wnl5eG1ZUloyZ1JLcnFzSDBxaFAwSXB3M2JYUGx3ZHpYdlNvWnl5c3BsSjZMbkpGaWUwd05fVktzTHExMGY4LVpobEs3bGNrU3pMRDctUENCRDl5QkFHN3l3?oc=5) · The Republic News
- 2018-03-19 [Paul Hayes Obituary - Columbus, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE9BOU1YREpNbXdqUGhYR25zR0JnOGx5aTRVbVhGMFd5S0t6T0xpQ1h2VHluUUpqSVBiRWQ5Qkw1T3hWSExjMTNSSHVibU55bGhYSFQ5OFB6MFJOT1RySndjeHgyZnNUY3JZTHlpWF9uSGFrZ21vZEtUWUEyU3NTUQ?oc=5) · Dignity Memorial
- 2026-03-11 [Court news - The Republic News](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5GOU1zdkxLbXdscUp6YlQ2X29EMWRodU9SUENGN292ZHYtcVpqRlNpQWtxZlJzdFc2a0c2QkdwcnZPOGtOUTU0UnJ5MXM5SFh0Q2x6VlZ6OHZFMFFEcEgtcFJXVQ?oc=5) · The Republic News
- 2022-09-13 [Obituary information for Bruce O. Beecher - Barkes, Weaver & Glick Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMif0FVX3lxTE5xdmZEXzRURnZkR2RGbzE2ZnFuZ3ZtYmVScjRBdWtlWWRId3c0aU5XXzREajRmM2JqVlZxaGtLbHpwOEc0TGJDcUY0ZTg5TE5zSC1Pd2lfakpBaGdKVnBtMlllMDVfdnJIMVRCMmZFdWJBUjBOcU5RamxGbzlqVWc?oc=5) · Barkes, Weaver & Glick Funeral Homes and Crematory
- 2014-04-28 [John Hudecek Obituary - Columbus, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxPMllwc2d5cWhrRE4tcktKRDRKOGplTzExZ2VQOHZmUUsweDlXcUFUU3JlQUtuSWtoOGd3V25vT3ZSN3ZqazlzVE9HRnI0YUZBSkVUM0tVaGx0V0xwVnFnVjFKRzNoSWZqc1NuaElkMXdXeUZHdTF3aXNhZ3pwSm5WMg?oc=5) · Dignity Memorial
- 2013-11-21 [Obituary information for Kenneth Neal Darlage - Barkes, Weaver & Glick Funeral Homes and Crematory](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNVFjSnZMeGE3OUp5dUNNQmRCUnVjM21RWUxkb21TWE9pYUQwVTJlazY2VUUyb1JjZkViUmpJcC03RmgzOHJDQ3gwSWZtQ1FzMDBmbHhWck5GUElpa1NpMEtnME50eVZEbFNMYXVPR3VTMjNxcVJPUlZjenVPQVZqR3Q5TnZxdw?oc=5) · Barkes, Weaver & Glick Funeral Homes and Crematory
- 2015-04-03 [E. Moody Obituary - Columbus, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiekFVX3lxTFAyN3dvbGFwbVQ5ZlFkVW1uSFUtM3oyQ09Mb1JycnBZTFg5RUpEZVZVUlVNZWxJdFQ5NmpFUnh2ek9YTURqUlZCV0RGMnpqRzdOUDJLUGlLSE1QSkF4eTRoX1RqVEVhSncxdUYyU1FuY2RyeEt6djlPQ3h3?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17040 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/16.json (key "17040", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=17040
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide