PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Macon Firemen's

Macon, GA · Charter 67687

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.04%1.31%1.73%1.89%+67 bps
Return on Equity4.35%3.78%4.75%6.41%6.96%+261 bps
Net Interest Margin4.99%5.11%5.50%5.49%5.48%+50 bps
Efficiency Ratio77.14%74.21%72.93%70.17%67.44%-970 bps
Growth
Asset Growth (YoY)10.96%10.68%12.19%14.00%9.66%-131 bps
Loan Growth (YoY)8.97%11.75%8.68%11.68%6.76%-220 bps
Share Growth (YoY)14.76%13.86%15.13%17.48%10.98%-378 bps
Asset Quality
Delinquent Loans / Loans0.00%0.34%0.72%0.57%0.56%+56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.93%27.49%27.62%26.96%27.10%-83 bps
Net Worth / Assets27.93%27.49%27.62%26.96%27.10%-83 bps
Liquidity & Funding
Loans / Shares91.72%93.90%94.39%90.28%88.23%-348 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps