State credit union · Madison, Florida · NCUA charter #67630
Madison Education Assoc.
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $7.3M
- Total assets
- 764
- Members
- 14.3%
- Net-worth ratio
Madison Education Assoc. scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.3M; members 764; net-worth ratio 14.27%; health rank #2,250 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,250 of 4,374 health · 2025Q4Madison Education Assoc. · health 83/100 · $7.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Madison Education Assoc. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Madison Education Assoc. sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Madison Education Assoc.
- Delinquency Rate leads the peer set - 1.04% here, 1.81% peer average (-0.77 pp).
- Largest lag: Loan-to-Share Ratio at 56.45% vs peer 63.60% (-7.15 pp).
Where Madison Education Assoc. sits in Florida
- Health composite ranks #72 of 109 among scored Florida credit unions.
- Assets rank #103 of 109 inside Florida ($7.3M reported).
- Member book place in Florida: #104 of 109.
- One place up in Florida, HELLO (#71) ties at 83/100; one place down, TYNDALL (#73) ties at 83/100.
Madison Education Assoc. Call Report trajectory
Madison Education Assoc.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $7.3M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (13.93% → 14.27%).
14.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Madison Education Assoc. gives up 17 points in total. Member Growth costs the most, 8.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 12.1 pts
Madison Education Assoc. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.27% | -4.79 pp |
| Delinquency Rate | 1.04% | -0.77 pp |
| Return on Assets | 0.59% | +0.14 pp |
| Member Growth | -1.55% | - |
| Loan-to-Share Ratio | 56.45% | -7.15 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Madison Education Assoc. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $7.3M | 764 |
| 2024Q4 | $6.6M | 776 |
| 2023Q4 | $6.3M | 795 |
Credit Union Details
- Charter Number
- 67630
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Florida
- City
- Madison
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Madison Education Assoc..
| Office | City |
|---|---|
| Main Office (Main Office) | Madison, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Madison Education Assoc. ranks #2,250 of 4,374 nationally on financial health and #72 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shaw-Ross Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shaw-Ross Employees
Frequently Asked Questions
Is Madison Education Assoc. financially healthy?
On its 2025Q4 NCUA 5300 filing, Madison Education Assoc. scores 83/100 (Excellent), with a 14.27% net worth ratio and 1.04% of loans delinquent. It ranks #2,250 of 4,374 nationally on health and #72 of 109 in Florida.
How does Madison Education Assoc. compare to other credit unions?
Madison Education Assoc. scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (1.04% vs 1.81%). Its widest shortfall is loan-to-share ratio (56.45% vs 63.60%).
How can I join Madison Education Assoc.?
Membership eligibility for Madison Education Assoc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Madison Education Assoc. directly for current membership requirements and application steps.
Is my money safe at Madison Education Assoc.?
Madison Education Assoc. 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 Education Assoc.'s net worth ratio of 14.27% 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.