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
- NW 90/100
- DELQ 11.2%
- ROA 0.47%
- ASSETS 0.97%
- MEM $60.8M
- RANK 3,089
- PHOTO #1,125/4,374
- BOOK Mohawk Valley
- CHARTER 66431
Call Report peers
MADISON in the assets neighbourhood
MADISON's $60.8M assets sit next to Mohawk Valley ($60.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MADISON 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
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 - Share Insurance Coverage
Charter #66431'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.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MADISON
MADISON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $60.8M (2025Q4) to $62.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.23% → 11.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for MADISON - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($60.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 MADISON financially healthy?
A 11.23% net worth ratio and a 0.47% delinquency rate feed into MADISON's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,125 of 4,374; by total assets it ranks #2,246 of 4,374 nationally (same basis as /rankings/largest); and #60 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MADISON compare to other credit unions?
Five weighted metrics from NCUA filings produce MADISON's 90/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like MADISON 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. MADISON's net worth ratio of 11.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MADISON offer compared to banks?
Credit unions like MADISON 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 MADISON 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.