BlastPoint's Credit Union Scorecard
MACON FIREMEN'S
Charter #67687 · GA
MACON FIREMEN'S has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 1.58% above tier average
- + Strong member growth: 5.1% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.8% in tier
- + Asset Growth Rate: Top 5.6% in tier
- + Member Growth Rate: Top 5.8% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
- + Net Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
+5.1% YoY+3.9% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$5.6M
+12.2% YoY+1.5% QoQ
|
$-24.6M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$3.8M
+8.7% YoY+1.8% QoQ
|
$-12.0M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.0M
+15.1% YoY+1.3% QoQ
|
$-21.7M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.3%
+200.3% YoY+25.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
5.5%
-5.4% YoY+7.2% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
72.9%
+2.8% YoY-1.7% QoQ
|
-9.6% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.7%
-53.3% YoY+109.1% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
94.4%
-5.6% YoY+0.5% QoQ
|
+33.8% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 7.1% in tier |
| AMR |
$11,221
+6.4% YoY-2.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
45.5%
+16.8% YoY+8.0% QoQ
|
+21.1% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)