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
- HEALTH 83/100
- NW 14.3%
- DELQ 1.04%
- ROA 0.59%
- ASSETS $7.3M
- MEM 764
- RANK #2,250/4,374
- PHOTO n/a
- BOOK 67630
Call Report peers
Madison Education Assoc. carries $7.3M 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.
Madison Education Assoc. 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
83 46th percentile higher than 46% 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 Education Assoc. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67630. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Madison Education Assoc. Call Report trajectory
Madison Education Assoc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $7.3M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (13.93% → 14.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
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).
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
Madison Education Assoc.'s nationwide photo peers by assets and by health score, excluding Florida charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Education Assoc. financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Madison Education Assoc.'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 #2,250 of 4,374; by total assets it ranks #3,714 of 4,374 nationally (same basis as /rankings/largest); and #103 of 109 within Florida. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.27% net worth ratio and 1.04% delinquency rate are the key drivers.
How does Madison Education Assoc. compare to other credit unions?
Madison Education Assoc. scores 83/100 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 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.?
Federal credit unions like Madison Education Assoc. 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 Education Assoc.'s net worth ratio of 14.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Madison Education Assoc. offer compared to banks?
Credit unions like Madison Education Assoc. 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 Education Assoc. 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.