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
- DELQ 70/100
- ROA 10.8%
- ASSETS 0.50%
- MEM -0.99%
- RANK $3.0M
- PHOTO 879
- BOOK #3,597/4,374
- CHARTER n/a
- NCUSIF 67688
Call Report peers
Macon-Bibb Employees Credit Union carries $3.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Macon-Bibb Employees Credit Union vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Macon-Bibb Employees Credit Union - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67688: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Macon-Bibb Employees Credit Union
Macon-Bibb Employees Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.2% from $3.0M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +0.29 pp (10.53% → 10.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Macon-Bibb Employees Credit Union's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Macon-Bibb Employees Credit Union financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Macon-Bibb Employees Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,597 of 4,374; by total assets it ranks #4,050 of 4,374 nationally (same basis as /rankings/largest); and #68 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.82% net worth ratio and 0.50% delinquency rate are the key drivers.
How does Macon-Bibb Employees Credit Union compare to other credit unions?
Macon-Bibb Employees Credit Union scores 70/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Macon-Bibb Employees Credit Union 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. Macon-Bibb Employees Credit Union's net worth ratio of 10.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Macon-Bibb Employees Credit Union offer compared to banks?
Credit unions like Macon-Bibb Employees Credit Union 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 Macon-Bibb Employees Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.