Macon, GA · Charter 22400
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
5
Profitability
88
Liquidity
46
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Macon, GA · Charter 22400
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.32% | 2.08% | 0.66% | 0.75% | 0.97% | 1.11% | 2.40% | 1.83% | +108 bps | |
| Return on Equity | 14.85% | 13.71% | 4.60% | 5.07% | 6.04% | 6.55% | 14.91% | 11.43% | +636 bps | |
| Net Interest Margin | 5.41% | 5.07% | 4.24% | 4.18% | 4.57% | 4.90% | 5.37% | 4.61% | +43 bps | |
| Efficiency Ratio | 57.62% | 59.59% | 71.13% | 70.98% | 69.12% | 68.77% | 59.61% | 62.96% | -802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.33% | 25.41% | 22.12% | 12.24% | 4.85% | -4.22% | -2.25% | 1.81% | -1,044 bps | |
| Loan Growth (YoY) | 8.52% | 11.97% | 8.05% | 5.69% | 6.38% | 1.30% | 3.34% | -0.44% | -613 bps | |
| Share Growth (YoY) | 12.84% | 27.71% | 23.87% | 12.22% | 3.43% | -7.20% | -4.06% | 1.00% | -1,122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.94% | 1.66% | 1.36% | 1.12% | 2.66% | 3.27% | 3.77% | +241 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.48% | 0.35% | 0.50% | 0.55% | 0.68% | 1.37% | 1.43% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.63% | 15.19% | 14.33% | 14.72% | 16.08% | 16.97% | 16.11% | 15.99% | +127 bps | |
| Net Worth / Assets | 15.63% | 15.19% | 14.33% | 14.72% | 16.08% | 16.97% | 16.11% | 15.99% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.61% | 91.31% | 81.60% | 82.90% | 94.22% | 99.67% | 87.89% | 81.72% | -118 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Macon, GA · Charter 22400 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.82%
Rank 119 of 1,683
Net Interest Margin
4.61%
Rank 279 of 1,683
Efficiency Ratio
62.64%
Rank 235 of 1,682
Equity / Assets
16.00%
Rank 460 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.82% | 0.35% | 0.74% | 1.18% | Beats 93% | 119 / 1,683 | ||
| Return on Equity | 11.36% | 2.67% | 5.89% | 8.74% | Beats 89% | 177 / 1,681 | ||
| Net Interest Margin | 4.61% | 3.31% | 3.82% | 4.32% | Beats 83% | 279 / 1,683 | ||
| Efficiency Ratio | 62.64% | 68.91% | 78.20% | 86.93% | Beats 86% | 235 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.78% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,591 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.00% | 10.44% | 12.89% | 16.53% | Beats 73% | 460 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.00% | 10.44% | 12.89% | 16.53% | Beats 73% | 460 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.72% | 52.61% | 69.38% | 83.50% | 72nd pctl | 465 / 1,683 | ||
| Loans / Assets | 68.32% | 44.71% | 59.18% | 70.72% | 70th pctl | 508 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||