MACON FIREMEN'S
Charter #67687 · MACON, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.76% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.60% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.12% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.06% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 31st — a 38-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MACON FIREMEN'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.79M | 69th pct | 31th pct |
| Members | 693 | 61th pct | 31th pct |
| Net worth ratio | 26.96% | 80th pct | 72th pct |
| Return on average assets | 1.76% | 87th pct | 82th pct |
| Net interest margin | 5.60% | 86th pct | 77th pct |
| Cost of funds | 2.12% | 89th pct | 80th pct |
| Loan-to-share | 90.28% | 87th pct | 62th pct |
| Delinquency 60+ days | 0.57% | 43th pct | 48th pct |
| Net charge-off ratio | -0.06% | 15th pct | 15th pct |
| Loan growth YoY | 2.41% | 82th pct | 79th pct |
| Share growth YoY | 6.52% | 87th pct | 82th pct |
| Efficiency ratio | 70.17% | 25th pct | 31th pct |
structural peer set hash: c009714a959a09fc851819e17809c2ef… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.