Mac Federal Credit Union
Fairbanks, AK·Charter 8080·cu:8080·Credit union RBC / net worth
- #8 of 9Total assets in Alaska
- 18.2Kmembers
- Top 1%Fee income vs. peers
- Top 1%Net interest margin in the U.S.
- Top 7%Margin improvement in the U.S.
Performance over time
6 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Mac Federal Credit Union
5 of 24 FORFI signals stand out against 784 similar credit unions, based on NCUA data for the quarter.
Shares and deposits shrinking while the peer median growsWorth a look: Funding-10.4%peers +3.3%-13.6 pp
Mac Federal Credit Union's shares and deposits declined 10.4% over the past year to $158 million. The median among 784 similar credit unions was +3.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| -10.4% | +3.3% | -13.6 pp |
| Shares and deposits | ||
| $158 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 784 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Mac Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar credit unionsStrength: Earnings3.47%peers 0.99%+248 bps
Mac Federal Credit Union's noninterest income relative to average assets was 3.47%, compared with a median of 0.99% among 784 similar credit unions: higher than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 3.47% | 0.99% | +248 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 784 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Mac Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net charge-offs falling while the peer median holds steadyStrength: Asset quality1.93%peers 0.34%+159 bps
Mac Federal Credit Union's annualized net charge-off rate fell 104 bps over the past year to 1.93%. Among 784 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.93% | 0.34% | +159 bps |
| 12-month change | ||
| -104 bps | 0 bps | -104 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 784 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Mac Federal Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on share certificates rising faster than peersFunding
- Share and deposit costs falling faster than peersFunding
Key facts
- Mac Federal Credit Union is a federally chartered credit union headquartered in Fairbanks, Alaska. It reported $176 million in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $158 million, down 10.4% from a year earlier, and loans totaled $138 million, down 4.8%.
- Its net interest margin on average assets was 5.53% and its annualized return on assets was 0.98% for the quarter.
- Its cost of all shares and deposits was 1.70%, compared with a median of 1.31% among 784 similar credit unions with $100 million to $300 million in assets.
- It served 18,242 members, up 1.7% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Mac Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Mac Federal Credit Union · Credit union
- NCUA charter
- 8080
- Reporting period
- Peer group
- 784 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Mac Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $421.5K | |
| $3.03M | |
| $646.09K | |
| $2.39M | |
| $1.5M | |
| $2.71M | |
| $751.23K | |
| $751.23K | |
| 0.98% | |
| 5.53% | |
| 69.81% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.