Macon-Bibb Employees Credit Union
Macon, GA · Charter 67688 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.7MAssets
$1.5MLoans
$2.4MShares
$288KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 28 of 1683).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1650 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |