Credit Union Safety Analysis
Is Macon-Bibb Employees Credit Union Safe? Macon, Georgia
Based on its Q2 2026 NCUA 5300 call report, Macon-Bibb Employees Credit Union has a net worth ratio of 10.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Macon-Bibb Employees Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.76%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): -1.09%
- Loan-to-share ratio (Q2 2026): 63.27%
Macon-Bibb Employees Credit Union (NCUA charter 67688, established 1979) reported $2.7M in assets and 887 members for Q2 2026 from Macon, Georgia. It ranks 66 of 71 credit unions in Georgia by total assets. Total assets fell 15.9% from $3.2M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.82% for Q1 2026; 10.73% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.66% for Q1 2026; 0.73% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -2.58% for Q1 2026; -4.60% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 63.85% for Q1 2026; 70.38% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $925K
- Other unsecured loans and lines of credit: $330K
- New vehicle loans: $238K
- Other secured non-real estate loans and lines of credit: $18K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.7M | 10.76% | 0.45% | -1.09% | 63.27% |
| March 31, 2026 | $2.7M | 10.82% | 1.66% | -2.58% | 63.85% |
| December 31, 2025 | $3.0M | 10.53% | 0.50% | -2.71% | 68.43% |
| September 30, 2025 | $3.1M | 10.78% | 0.94% | -0.97% | 67.38% |
| June 30, 2025 | $3.2M | 10.73% | 0.73% | -4.60% | 70.38% |
| March 31, 2025 | $3.3M | 11.62% | 1.78% | -4.29% | 69.99% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Macon-Bibb Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67688) · FFIEC NIC profile (RSSD 1225912)
Frequently asked questions
Is Macon-Bibb Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Macon-Bibb Employees Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
Is Macon-Bibb Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Macon-Bibb Employees Credit Union is a federally insured credit union (NCUA charter 67688): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Macon-Bibb Employees Credit Union's key safety ratios?
For Q2 2026, Macon-Bibb Employees Credit Union reports net worth 10.76%, delinquency 0.45%, ROA -1.09%, loan-to-share 63.27%.
What happens to my money if Macon-Bibb Employees Credit Union fails?
For Q2 2026, Macon-Bibb Employees Credit Union held $2.4M in shares and deposits for 887 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.