Federal credit union · MACON, Georgia · NCUA charter #22400
Brosnan Yard
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $5.5M
- Total assets
- 1,374
- Members
- 17.0%
- Net-worth ratio
Brosnan Yard - Share Insurance Coverage
Charter #22400's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Brosnan Yard - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)34
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)71
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.97% | 30% |
| Delinquency Rate | 2.66% | 25% |
| Return on Assets | 2.17% | 15% |
| Member Growth | 0.07% | 15% |
| Loan-to-Share Ratio | 99.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.5M | 1,374 |
| 2024Q4 | $5.7M | 1,373 |
| 2023Q4 | $4.6M | 1,340 |
Credit Union Details
- Charter Number
- 22400
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- MACON
- Data Quarter
- 2025Q4
What This Data Says About Brosnan Yard
Brosnan Yard is a federal credit union headquartered in MACON, Georgia, serving 1,374 members with $5.5M in total assets and $4.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 73/100 (Very Good), anchored by a net worth ratio of 16.97% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #22400 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.66% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 99.67% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.17% on net income of $119K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.07%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Brosnan Yard financially healthy?
A 16.97% net worth ratio and a 2.66% delinquency rate feed into Brosnan Yard's financial health score of 73/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Brosnan Yard compare to other credit unions?
On PlainCU's health composite, Brosnan Yard lands at 73/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Brosnan Yard?
Brosnan Yard operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Brosnan Yard directly for the exact boundaries and application steps.
Is my money safe at Brosnan Yard?
Federal credit unions like Brosnan Yard are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Brosnan Yard's net worth ratio of 16.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brosnan Yard offer compared to banks?
Credit unions like Brosnan Yard are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Brosnan Yard directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.