MACON-BIBB EMPLOYEES CREDIT UNION
Charter #67688 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in 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
|
26th in tier |
| 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
|
Bottom 16.8% in tier |
| 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 |
| 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
|
60th in tier |
| 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
|
58th in tier |
| 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
|
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)
Top Strengths (5 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
87
Net Charge-Off Rate
risk
Value:
-0.15%
Peer Avg: 0.57%
#87 of 2596
Top 3.3% in <100M tier
146
Net Interest Margin (NIM)
profitability
Value:
5.74%
Peer Avg: 3.93%
#146 of 2596
Top 5.6% in <100M tier
559
Members Per Employee (MPE)
engagement
Value:
442.500
Peer Avg: 365.701
#559 of 2596
Top 21.5% in <100M tier
Top Weaknesses (11 metrics)
2591
Fee Income Per Member
profitability
Value:
$-38.91
Peer Avg: $182.96
#2591 of 2596
Bottom 0.2% in <100M tier
2550
Return on Assets (ROA)
profitability
Value:
-3.36%
Peer Avg: 0.68%
#2550 of 2596
Bottom 1.8% in <100M tier
2548
Efficiency Ratio
profitability
Value:
172.29%
Peer Avg: 81.39%
#2548 of 2596
Bottom 1.9% in <100M tier
2338
Average Member Relationship (AMR)
engagement
Value:
$5,218
Peer Avg: $14,627
#2338 of 2596
Bottom 10.0% in <100M tier
2309
Member Growth Rate
growth
Value:
-6.55%
Peer Avg: 14.92%
#2309 of 2596
Bottom 11.1% in <100M tier
2259
Loan Growth Rate
growth
Value:
-13.81%
Peer Avg: 59.01%
#2259 of 2596
Bottom 13.0% in <100M tier
2253
Total Assets
balance_sheet
Value:
$3.10M
Peer Avg: $29.86M
#2253 of 2596
Bottom 13.3% in <100M tier
2235
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,101
Peer Avg: $5,488
#2235 of 2596
Bottom 13.9% in <100M tier
2215
Total Deposits
balance_sheet
Value:
$2.76M
Peer Avg: $25.45M
#2215 of 2596
Bottom 14.7% in <100M tier
2160
Total Loans
balance_sheet
Value:
$1.86M
Peer Avg: $15.77M
#2160 of 2596
Bottom 16.8% in <100M tier