BlastPoint's Credit Union Scorecard
MACON-BIBB EMPLOYEES CREDIT UNION
Charter #67688 · GA
MACON-BIBB EMPLOYEES CREDIT UNION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.90% above tier average
Key Concerns
Areas that may need attention
- - ROA 2.72% below tier average
- - Efficiency ratio 48.36% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Asset Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
881
+0.2% YoY+0.2% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$2.7M
-16.2% YoY-8.2% QoQ
|
$-27.5M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.8% in tier |
| Loans |
$1.5M
-23.0% YoY-14.9% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$2.4M
-15.6% YoY-8.8% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.6%
-41.2% YoY-21.2% QoQ
|
-2.7% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.7% in tier |
| NIM |
5.9%
+8.9% YoY+0.9% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
139.0%
-33.2% YoY-15.6% QoQ
|
+48.4% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.7% in tier |
| Delinquency Rate |
1.7%
-6.5% YoY+230.7% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
63.8%
-8.8% YoY-6.7% QoQ
|
+5.3% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$4,501
-18.9% YoY-11.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.5% in tier |
| CD Concentration |
15.2%
-38.3% YoY-38.5% QoQ
|
-9.0% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 7.7% | 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)