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 0.37% above tier average
- + Net Interest Margin 1.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.3% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Net Worth Ratio: Top 7.9% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
- + Loan Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
669
-0.1% YoY-1.0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$5.5M
+10.7% YoY+2.3% QoQ
|
$-24.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$3.7M
+11.8% YoY+5.4% QoQ
|
$-12.0M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$4.0M
+13.9% YoY+3.0% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
1.1%
+127.0% YoY-15.8% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
5.2%
-11.3% YoY+0.9% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
74.2%
+5.3% YoY-3.8% QoQ
|
-7.2% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.3%
-38.6% YoY
|
-1.2 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
93.9%
-1.8% YoY+2.4% QoQ
|
+32.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 8.1% in tier |
| AMR |
$11,477
+13.0% YoY+5.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
37% |
| CD Concentration |
42.1%
+10.2% YoY-1.9% QoQ
|
+17.7% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
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)