Macon, GA · Charter 60582
NCUA · 1 branch
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
99
Asset Quality
7
Profitability
66
Liquidity
96
Efficiency
78
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 60582
NCUA · 1 branch
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 | 1.00% | 1.05% | 1.86% | 1.87% | 1.97% | 2.21% | 1.51% | 1.55% | -32 bps | |
| Return on Equity | 2.60% | 2.68% | 4.58% | 4.58% | 4.87% | 5.18% | 3.51% | 3.53% | -105 bps | |
| Net Interest Margin | 4.07% | 4.12% | 4.58% | 4.46% | 4.44% | 4.61% | 4.44% | 4.48% | +2 bps | |
| Efficiency Ratio | 76.84% | 76.27% | 60.91% | 59.85% | 54.97% | 54.39% | 67.22% | 66.84% | +698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.31% | -10.00% | -11.08% | -4.07% | -0.15% | -3.44% | -0.75% | -2.43% | +164 bps | |
| Loan Growth (YoY) | -15.29% | -18.39% | -19.33% | -16.61% | -11.78% | -6.31% | -6.35% | -5.24% | +1,137 bps | |
| Share Growth (YoY) | -21.21% | -16.63% | -18.89% | -8.92% | -3.37% | -9.45% | -5.10% | -7.62% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.85% | 2.86% | 1.58% | 3.29% | 5.30% | 2.92% | 3.24% | +166 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 38.65% | 39.10% | 40.58% | 40.76% | 40.57% | 42.70% | 43.01% | 43.82% | +306 bps | |
| Net Worth / Assets | 38.65% | 39.10% | 40.58% | 40.76% | 40.57% | 42.70% | 43.01% | 43.82% | +306 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.64% | 69.11% | 69.72% | 68.61% | 67.22% | 71.50% | 68.80% | 70.38% | +177 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 60582 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.53%
Rank 232 of 1,683
Net Interest Margin
4.49%
Rank 333 of 1,683
Efficiency Ratio
67.15%
Rank 367 of 1,682
Equity / Assets
43.83%
Rank 10 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 0.35% | 0.74% | 1.18% | Beats 86% | 232 / 1,683 | ||
| Return on Equity | 3.50% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,152 / 1,681 | ||
| Net Interest Margin | 4.49% | 3.31% | 3.82% | 4.32% | Beats 80% | 333 / 1,683 | ||
| Efficiency Ratio | 67.15% | 68.91% | 78.20% | 86.93% | Beats 78% | 367 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.25% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,571 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 43.83% | 10.44% | 12.89% | 16.53% | Beats 99% | 10 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 43.83% | 10.44% | 12.89% | 16.53% | Beats 99% | 10 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.38% | 52.61% | 69.38% | 83.50% | 51st pctl | 817 / 1,683 | ||
| Loans / Assets | 39.32% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,384 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||