Macon-Bibb Employees Credit Union Macon, Georgia
Macon-Bibb Employees Credit Union is a state-chartered credit union headquartered in Macon, GA, established in 1979 (NCUA charter 67688), and it is regulated and insured by the NCUA. At Q2 2026 it reported 887 members and total assets of $2.7M (down 15.9% from Q2 2025), the 66th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 10.76% at Q2 2026, in the well capitalized band.
Also written as Macon-Bibb Employees CU
BankRegReports is independent of Macon-Bibb Employees Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67688
- Headquarters
- Macon, GA
- Established
- 1979
- Total assets, Q2 2026
- $2.7M
- Assets vs Q2 2025
- -15.9%
- Members, Q2 2026
- 887
- Net worth ratio, Q2 2026
- 10.76%
- Latest call report
- Q2 2026, NCUA 5300 · Macon-Bibb Employees Credit Union call report
- Asset rank in state
- 66th of 71 in Georgia
- Routing number
- 261172078
- Branches
- 2
It has 6 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 0.03 percentage points from 10.73% on June 30, 2025. Used vehicle loans are its largest loan category, $925K of $1.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.76% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Macon-Bibb Employees Credit Union
How big is Macon-Bibb Employees Credit Union?
At Q2 2026 it reported total assets of $2.7M and 887 members.
Where is Macon-Bibb Employees Credit Union headquartered?
It is headquartered in Macon, GA, United States.
When was Macon-Bibb Employees Credit Union founded?
It was established in 1979, per NCUA records.
Is Macon-Bibb Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67688): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Macon-Bibb Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Macon-Bibb Employees Credit Union well capitalized?
Its net worth ratio was 10.76% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Macon-Bibb Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Macon-Bibb Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.27% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Macon, GA 31202
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 67688
- RSSD ID
- 1225912
- Members
- 887
- Potential members
- 3,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.76% | 14.31% | 22nd bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -1.09% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -10.09% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 6.44% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 114.66% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.64% | 0.78% | 59th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.45% | 0.86% | 70th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.08% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 63.27% | 58.92% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.7M total assets against $3.2M; $2.4M total shares and deposits against $2.8M; $1.5M total loans against $2.0M.
$288K net worth against $342K.
10.76% net worth ratio against 10.73%.
63.27% loan-to-share ratio against 70.38%.
0.45% delinquency ratio against 0.73%.
-1.09% return on assets against -4.60%; -10.09% return on equity against -42.88%.
6.44% net interest margin against 5.48%.
887 members against 881.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.76% | -1.09% | 0.45% | 63.27% |
| March 31, 2026 | 10.82% | -2.58% | 1.66% | 63.85% |
| December 31, 2025 | 10.53% | -2.71% | 0.50% | 68.43% |
| September 30, 2025 | 10.78% | -0.97% | 0.94% | 67.38% |
| June 30, 2025 | 10.73% | -4.60% | 0.73% | 70.38% |
| March 31, 2025 | 11.62% | -4.29% | 1.78% | 69.99% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.