State credit union · MADISON, Wisconsin · NCUA charter #66431
MADISON
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $60.8M
- Total assets
- 3,089
- Members
- 11.2%
- Net-worth ratio
MADISON scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.8M; members 3,089; net-worth ratio 11.23%; health rank #1,125 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,125 of 4,374 health · 2025Q4MADISON · health 90/100 · $60.8M · 2025Q4
Call Report peers
MADISON in the assets neighbourhood
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MADISON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MADISON sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
MADISON: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.49 pp (0.47% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.68 pp (47.92% vs 62.60%).
Where MADISON sits in Wisconsin
- Wisconsin health ordinal: #43 of 100.
- Wisconsin assets place: #60 of 100.
- Membership ranks #68 of 100 among Wisconsin CUs with a reported count (3,089 members).
- One place up in Wisconsin, CO-OP (#42) ties at 90/100; one place down, SHORELINE (#44) ties at 90/100.
Quarter path for MADISON
MADISON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $60.8M (2025Q4) to $62.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.23% → 11.23%).
11.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
MADISON gives up 10 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for MADISON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.23% | -2.39 pp |
| Delinquency Rate | 0.47% | -0.49 pp |
| Return on Assets | 0.97% | +0.31 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 47.92% | -14.68 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - MADISON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.6M | - |
| 2025Q4 | $60.8M | 3,089 |
| 2024Q4 | $58.7M | 3,077 |
| 2023Q4 | $58.8M | 3,103 |
Credit Union Details
- Charter Number
- 66431
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- MADISON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MADISON.
| Office | City |
|---|---|
| Madison Credit Union (Main Office) | Madison, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MADISON
Similar total assets
Using this data
- MADISON ranks #1,125 of 4,374 nationally on financial health and #43 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FOCUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FOCUS
Frequently Asked Questions
Is MADISON financially healthy?
On its 2025Q4 NCUA 5300 filing, MADISON scores 90/100 (Excellent), with a 11.23% net worth ratio and 0.47% of loans delinquent. It ranks #1,125 of 4,374 nationally on health and #43 of 100 in Wisconsin.
How does MADISON compare to other credit unions?
MADISON scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.47% vs 0.96%). Its widest shortfall is loan-to-share ratio (47.92% vs 62.60%).
How can I join MADISON?
Membership eligibility for MADISON depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MADISON directly for current membership requirements and application steps.
Is my money safe at MADISON?
MADISON 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. MADISON's net worth ratio of 11.23% 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.