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Macon Firemen's

Macon, GA · Charter 67687

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

83

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Macon Firemen's

Macon, GA · Charter 67687

NCUA · 1 branch

Q2 2026

$5.9MAssets
$3.8MLoans
$4.3MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.89%, up 67 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 0.56% of loans (+56 bps YoY).
  • Capital: net worth / assets of 27.10%, down 83 bps from a year ago.
  • Funding: loans stand at 88.23% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.89%+67 bps YoY

Net Interest Margin (YTD, annualized)

5.48%+50 bps YoY

Efficiency Ratio (YTD, annualized)

67.44%-970 bps YoY

Net Worth / Assets

27.10%-83 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.44%1.22%1.22%1.04%1.31%1.73%1.89%+67 bps
Return on Equity1.55%1.49%4.19%4.35%3.78%4.75%6.41%6.96%+261 bps
Net Interest Margin5.75%5.85%5.21%4.99%5.11%5.50%5.49%5.48%+50 bps
Efficiency Ratio70.48%70.93%78.04%77.14%74.21%72.93%70.17%67.44%-970 bps
Growth
Asset Growth (YoY)-2.49%-1.29%8.35%10.96%10.68%12.19%14.00%9.66%-131 bps
Loan Growth (YoY)-6.56%1.26%1.57%8.97%11.75%8.68%11.68%6.76%-220 bps
Share Growth (YoY)-3.96%-2.12%10.84%14.76%13.86%15.13%17.48%10.98%-378 bps
Asset Quality
Delinquent Loans / Loans0.56%1.55%1.24%0.00%0.34%0.72%0.57%0.56%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital29.47%29.52%29.12%27.93%27.49%27.62%26.96%27.10%-83 bps
Net Worth / Assets29.47%29.52%29.12%27.93%27.49%27.62%26.96%27.10%-83 bps
Liquidity & Funding
Loans / Shares95.67%99.99%94.97%91.72%93.90%94.39%90.28%88.23%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Macon Firemen's

Macon, GA · Charter 67687 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$5.9MAssets
$3.8MLoans
$4.3MShares
$1.6MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 73 of 1683).
  • Widest gap: nonperforming loans / loans trails 44% of credit unions under $1B in assets (rank 748 of 1682).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.87%

Rank 102 of 1,683

Net Interest Margin

5.48%

Rank 73 of 1,683

Efficiency Ratio

67.65%

Rank 382 of 1,682

Equity / Assets

27.11%

Rank 72 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.87%0.35%0.74%1.18%Beats 94%102 / 1,683
Return on Equity6.91%2.67%5.89%8.74%Beats 60%671 / 1,681
Net Interest Margin5.48%3.31%3.82%4.32%Beats 96%73 / 1,683
Efficiency Ratio67.65%68.91%78.20%86.93%Beats 77%382 / 1,682
Asset Quality
Nonperforming Loans / Loans0.56%0.26%0.65%1.29%Beats 56%748 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio27.11%10.44%12.89%16.53%Beats 96%72 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets27.11%10.44%12.89%16.53%Beats 96%72 / 1,683
Liquidity & Funding
Loans / Deposits88.24%52.61%69.38%83.50%83rd pctl278 / 1,683
Loans / Assets64.13%44.71%59.18%70.72%61st pctl654 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution