State credit union · Madison, Florida · NCUA charter #67630
Madison Education Assoc.
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $7.3M
- Total assets
- 764
- Members
- 13.9%
- Net-worth ratio
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.
Madison Education Assoc. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)79
- Earnings (ROA)100
- Member growth41
- Liquidity (loan-to-share)80
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.93% | 30% |
| Delinquency Rate | 1.04% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | -1.55% | 15% |
| Loan-to-Share Ratio | 56.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Madison Education Assoc.
Charter #67630, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Madison Education Assoc., a state credit union in Madison, Florida with 764 members, $7.3M in total assets, and $3.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 13.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.04% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 56.45% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.59% on net income of $43K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.55%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.93% 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 13.93% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.