BlastPoint's Credit Union Scorecard
MACON-BIBB EMPLOYEES CREDIT UNION
Charter #67688 · GA
MACON-BIBB EMPLOYEES CREDIT UNION has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.90% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - ROA 3.89% below tier average
- - Efficiency ratio 82.08% above tier (higher cost structure)
- - Member decline: -7.0% YoY
- - Fee Income Per Member: Bottom 0.3% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
- - Member Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
879
-7.0% YoY-0.7% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$3.0M
-4.7% YoY-4.1% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.7% in tier |
| Loans |
$1.8M
-11.8% YoY-2.3% QoQ
|
$-13.9M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.7M
-1.8% YoY-3.8% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.1% in tier |
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| ROA |
-3.3%
+249.2% YoY-2.6% QoQ
|
-3.9% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.8% in tier |
| NIM |
5.9%
-2.7% YoY+2.1% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
164.6%
+45.0% YoY-4.4% QoQ
|
+82.1% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
0.5%
-90.2% YoY-46.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
68.4%
-10.2% YoY+1.6% QoQ
|
+7.8% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$5,086
+0.9% YoY-2.5% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
24.8%
-3.0% YoY+4.8% QoQ
|
+0.4% | 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)