MACON FIREMEN'S

Charter #67687 | GA

<100M (2596 CUs) Micro
43 <100M in 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
 Bottom 18.5% in tier
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
 Bottom 21.0% in tier
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
 28th in tier
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
 Bottom 19.1% in tier
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
 64th in tier
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
 40th in tier
Delinquency Rate 0.3%
-38.6% YoY
 -1.2 1.5%
-2.0% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 34th in tier
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
 37th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
113
Deposit Growth Rate
growth
Value: 13.86%
Peer Avg: 16.80%
#113 of 2596 Top 4.3% in <100M tier
153
AMR Growth Rate
growth
Value: 13.00%
Peer Avg: 4.67%
#153 of 2596 Top 5.9% in <100M tier
190
Asset Growth Rate
growth
Value: 10.68%
Peer Avg: 1.82%
#190 of 2596 Top 7.3% in <100M tier
205
Net Worth Ratio
risk
Value: 27.49%
Peer Avg: 16.43%
#205 of 2596 Top 7.9% in <100M tier
206
Loan-to-Share Ratio
balance_sheet
Value: 93.90%
Peer Avg: 61.23%
#206 of 2596 Top 7.9% in <100M tier
220
Loan Growth Rate
growth
Value: 11.75%
Peer Avg: 59.01%
#220 of 2596 Top 8.4% in <100M tier
293
Net Interest Margin (NIM)
profitability
Value: 5.17%
Peer Avg: 3.93%
#293 of 2596 Top 11.2% in <100M tier

Top Weaknesses (5 metrics)

2440
Share Certificate Concentration (%)
balance_sheet
Value: 42.12%
Peer Avg: 15.37%
#2440 of 2596 Bottom 6.0% in <100M tier
2119
Net Charge-Off Rate
risk
Value: 0.83%
Peer Avg: 0.57%
#2119 of 2596 Bottom 18.4% in <100M tier
2116
Total Members
engagement
Value: 669
Peer Avg: 2,626
#2116 of 2596 Bottom 18.5% in <100M tier
2100
Total Deposits
balance_sheet
Value: $3.96M
Peer Avg: $25.45M
#2100 of 2596 Bottom 19.1% in <100M tier
2051
Total Assets
balance_sheet
Value: $5.48M
Peer Avg: $29.86M
#2051 of 2596 Bottom 21.0% in <100M tier