Macon, GA · Charter 67688
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
29
Asset Quality
62
Profitability
34
Liquidity
80
Efficiency
2
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 67688
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.50% | -3.40% | -3.34% | -2.58% | -1.86% | +264 bps | |
| Return on Equity | -41.87% | -31.54% | -31.71% | -23.79% | -17.24% | +2,462 bps | |
| Net Interest Margin | 5.46% | 5.81% | 5.98% | 5.91% | 6.23% | +77 bps | |
| Efficiency Ratio | 229% | 172.29% | 164.64% | 138.99% | 126.24% | -10,270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.32% | -1.40% | -4.73% | -16.19% | -15.90% | -1,158 bps | |
| Loan Growth (YoY) | -10.07% | -13.81% | -11.80% | -23.03% | -24.24% | -1,417 bps | |
| Share Growth (YoY) | -1.65% | 1.53% | -1.79% | -15.62% | -15.72% | -1,407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.94% | 0.50% | 1.66% | 0.45% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Net Worth / Assets | 10.74% | 10.78% | 10.53% | 10.82% | 10.76% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.38% | 67.38% | 68.43% | 63.85% | 63.27% | -711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Macon, GA · Charter 67688 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.87%
Rank 1,646 of 1,683
Net Interest Margin
6.28%
Rank 28 of 1,683
Efficiency Ratio
125.26%
Rank 1,650 of 1,682
Equity / Assets
10.77%
Rank 1,202 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.87% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,646 / 1,683 | |
| Return on Equity | -17.36% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,648 / 1,681 | |
| Net Interest Margin | 6.28% | 3.31% | 3.82% | 4.32% | Beats 98% | 28 / 1,683 | |
| Efficiency Ratio | 125.26% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,650 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 638 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,202 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,202 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.27% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,014 / 1,683 | |
| Loans / Assets | 56.49% | 44.71% | 59.18% | 70.72% | 44th pctl | 940 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||