Macon, GA · Charter 68291
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
1
Profitability
33
Liquidity
79
Efficiency
1
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 68291
NCUA · 1 branch
Q1 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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | 4.59% | 1.96% | 1.80% | -21.00% | -2,021 bps | |
| Return on Equity | -9.63% | 43.34% | 20.29% | 18.94% | -404% | -39,402 bps | |
| Net Interest Margin | 6.94% | 6.54% | 6.42% | 5.89% | 6.36% | -58 bps | |
| Efficiency Ratio | 93.34% | 57.51% | 68.40% | 70.43% | 179.09% | +8,575 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.98% | -1.37% | -0.88% | 6.28% | -0.30% | +569 bps | |
| Loan Growth (YoY) | -14.64% | -11.25% | -6.71% | -8.82% | -7.25% | +739 bps | |
| Share Growth (YoY) | -6.46% | -4.07% | -2.67% | 4.52% | 3.02% | +948 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.36% | 1.39% | 7.34% | 6.83% | 7.76% | +540 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 | 8.25% | 10.58% | 9.68% | 9.51% | 5.20% | -305 bps | |
| Net Worth / Assets | 8.25% | 10.58% | 9.68% | 9.51% | 5.20% | -305 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.39% | 79.96% | 78.79% | 72.25% | 73.27% | -811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Macon, GA · Charter 68291 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
Return on Assets
-21.04%
Rank 1,672 of 1,677
Net Interest Margin
6.35%
Rank 28 of 1,676
Efficiency Ratio
178.57%
Rank 1,659 of 1,674
Equity / Assets
5.20%
Rank 1,666 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -21.04% | 0.29% | 0.71% | 1.15% | Beats 0% | 1,672 / 1,677 | |
| Return on Equity | -405% | 2.30% | 5.46% | 8.75% | Beats 0% | 1,673 / 1,674 | |
| Net Interest Margin | 6.35% | 3.27% | 3.78% | 4.29% | Beats 98% | 28 / 1,676 | |
| Efficiency Ratio | 178.57% | 69.04% | 78.86% | 87.73% | Beats 1% | 1,659 / 1,674 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.75% | 0.23% | 0.59% | 1.15% | Beats 1% | 1,652 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.20% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,667 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.20% | 10.32% | 12.68% | 16.26% | Beats 1% | 1,666 / 1,676 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.29% | 52.64% | 68.65% | 82.42% | 58th pctl | 700 / 1,676 | |
| Loans / Assets | 69.41% | 44.39% | 58.63% | 70.08% | 74th pctl | 441 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||