BlastPoint's Credit Union Scorecard
MACON-BIBB EMPLOYEES CREDIT UNION
Charter #67688 · GA
MACON-BIBB EMPLOYEES CREDIT UNION has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 4.04% below tier average
- - Efficiency ratio 90.90% above tier (higher cost structure)
- - Member decline: -6.5% YoY
- - Fee Income Per Member: Bottom 0.2% in tier
- - Average Member Relationship (AMR): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
885
-6.5% YoY+0.5% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$3.1M
-1.4% YoY-2.6% QoQ
|
$-26.8M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.2% in tier |
| Loans |
$1.9M
-13.8% YoY-6.8% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$2.8M
+1.5% YoY-2.6% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.7% in tier |
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| ROA |
-3.4%
+783.5% YoY-24.5% QoQ
|
-4.0% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.8% in tier |
| NIM |
5.7%
-6.2% YoY+6.3% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
172.3%
+62.8% YoY-24.7% QoQ
|
+90.9% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 1.9% in tier |
| Delinquency Rate |
0.9%
-78.6% YoY+28.2% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
67.4%
-15.1% YoY-4.3% QoQ
|
+6.1% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$5,218
+1.4% YoY-4.8% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.9% in tier |
| CD Concentration |
23.6%
-12.3% YoY-6.2% QoQ
|
-0.8% |
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)