State credit union · Macon, Georgia · NCUA charter #67688
Macon-Bibb Employees Credit Union
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $3.0M
- Total assets
- 879
- Members
- 10.8%
- Net-worth ratio
Macon-Bibb Employees Credit Union scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.0M; members 879; net-worth ratio 10.82%; health rank #3,597 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,597 of 4,374 health · 2025Q4Macon-Bibb Employees · health 70/100 · $3.0M · 2025Q4
Call Report peers
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Macon-Bibb Employees Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Macon-Bibb Employees Credit Union sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Macon-Bibb Employees Credit Union vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +4.83 pp (68.43% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -8.24 pp (10.82% vs 19.06%).
Where Macon-Bibb Employees Credit Union sits in Georgia
- In Georgia, health place is #59 of 74 on the same NCUA-ratio sort used nationally.
- Georgia assets place: #68 of 74.
- Georgia membership ordinal: #60 of 74.
- One place up in Georgia, Flint River Employees (#58) scores 71/100, 1 point higher; one place down, GEOVISTA (#60) ties at 70/100.
Quarter path for Macon-Bibb Employees Credit Union
Macon-Bibb Employees Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.2% from $3.0M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +0.29 pp (10.53% → 10.82%).
This credit union's 10.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Macon-Bibb Employees Credit Union gives up 30 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate and Net Worth Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Macon-Bibb Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.82% | -8.24 pp |
| Delinquency Rate | 0.50% | -1.31 pp |
| Return on Assets | -0.99% | -1.44 pp |
| Member Growth | -6.98% | - |
| Loan-to-Share Ratio | 68.43% | +4.83 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Macon-Bibb Employees Credit Union quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $3.0M | 879 |
| 2024Q4 | $3.1M | 945 |
| 2023Q4 | $3.6M | 975 |
Credit Union Details
- Charter Number
- 67688
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Macon
- Data Quarter
- 2025Q4
Branch Locations (2)
Macon-Bibb Employees Credit Union operates 2 offices in Macon, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Macon-Bibb Employees Credit Union (Main Office) | Macon, GA |
| The Store House | Macon, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
A look at other Georgia credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Macon-Bibb Employees
Similar health score
Using this data
- Macon-Bibb Employees Credit Union ranks #3,597 of 4,374 nationally on financial health and #59 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FLINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FLINT
Frequently Asked Questions
Is Macon-Bibb Employees Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Macon-Bibb Employees Credit Union scores 70/100 (Very Good), with a 10.82% net worth ratio and 0.50% of loans delinquent. It ranks #3,597 of 4,374 nationally on health and #59 of 74 in Georgia.
How does Macon-Bibb Employees Credit Union compare to other credit unions?
Macon-Bibb Employees Credit Union scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (68.43% vs 63.60%). Its widest shortfall is net worth ratio (10.82% vs 19.06%).
How can I join Macon-Bibb Employees Credit Union?
Membership eligibility for Macon-Bibb Employees Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Macon-Bibb Employees Credit Union directly for current membership requirements and application steps.
Is my money safe at Macon-Bibb Employees Credit Union?
Macon-Bibb Employees Credit Union is a state-chartered credit union; its shares are federally 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. Macon-Bibb Employees Credit Union's net worth ratio of 10.82% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.