Credit Union Safety Analysis
Is Rig Employees Credit Union Safe? Macon, Georgia
Based on its Q2 2026 NCUA 5300 call report, Rig Employees Credit Union has a net worth ratio of 43.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.24%, 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, Rig Employees Credit Union's net worth ratio is 43.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 43.82%
- Delinquency ratio (60+ days) (Q2 2026): 3.24%
- Return on assets (Q2 2026): 1.57%
- Loan-to-share ratio (Q2 2026): 70.38%
Rig Employees Credit Union (NCUA charter 60582, established 1949) reported $5.9M in assets and 584 members for Q2 2026 from Macon, Georgia. It ranks 57 of 71 credit unions in Georgia by total assets. Total assets fell 2.4% from $6.0M on June 30, 2025. It has 18 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was up 3.06 percentage points from 40.76% on June 30, 2025. Used vehicle loans are its largest loan category, $1.5M of $2.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.24% is above 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: 43.01% for Q1 2026; 40.76% 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: 2.92% for Q1 2026; 1.58% 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: 1.51% for Q1 2026; 1.89% 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: 68.80% for Q1 2026; 68.61% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.5M
- New vehicle loans: $562K
- Other unsecured loans and lines of credit: $214K
- Other secured non-real estate loans and lines of credit: $41K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.9M | 43.82% | 3.24% | 1.57% | 70.38% |
| March 31, 2026 | $5.9M | 43.01% | 2.92% | 1.51% | 68.80% |
| December 31, 2025 | $5.9M | 42.70% | 5.30% | 2.70% | 71.50% |
| September 30, 2025 | $6.1M | 40.57% | 3.29% | 2.27% | 67.22% |
| June 30, 2025 | $6.0M | 40.76% | 1.58% | 1.89% | 68.61% |
| March 31, 2025 | $6.0M | 40.58% | 2.86% | 1.86% | 69.72% |
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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.
Rig Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60582) · FFIEC NIC profile (RSSD 583790)
Frequently asked questions
Is Rig Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rig Employees Credit Union's net worth ratio is 43.82%, above the 7% NCUA threshold for well capitalized.
Is Rig Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rig Employees Credit Union is a federally insured credit union (NCUA charter 60582): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rig Employees Credit Union's key safety ratios?
For Q2 2026, Rig Employees Credit Union reports net worth 43.82%, delinquency 3.24%, ROA 1.57%, loan-to-share 70.38%.
What happens to my money if Rig Employees Credit Union fails?
For Q2 2026, Rig Employees Credit Union held $3.3M in shares and deposits for 584 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.