MACON-BIBB EMPLOYEES CREDIT UNION
Charter #67688 · Macon, GA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -2.47% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.66% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.93% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 138.99% sits at the 89th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 46th — a 29-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-BIBB EMPLOYEES CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.73M | 38th pct | 23th pct |
| Members | 881 | 76th pct | 62th pct |
| Net worth ratio | 10.82% | 17th pct | 46th pct |
| Return on average assets | -2.47% | 9th pct | 13th pct |
| Net interest margin | 5.66% | 87th pct | 80th pct |
| Cost of funds | 0.36% | 42th pct | 30th pct |
| Loan-to-share | 63.85% | 57th pct | 33th pct |
| Delinquency 60+ days | 1.66% | 64th pct | 57th pct |
| Net charge-off ratio | 0.93% | 86th pct | 75th pct |
| Loan growth YoY | -16.89% | 10th pct | 3th pct |
| Share growth YoY | -12.28% | 5th pct | 7th pct |
| Efficiency ratio | 138.99% | 91th pct | 89th pct |
structural peer set hash: 5faea4b211c2061ad6c7afdc1e3e8e92… (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.