State credit union · MADISON, Wisconsin · NCUA charter #66499
Madison Fire Department
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $5.3M
- Total assets
- 844
- Members
- 19.3%
- Net-worth ratio
Madison Fire Department scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.3M; members 844; net-worth ratio 19.31%; health rank #448 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#448 of 4,374 health · 2025Q4Madison Fire Department · health 94/100 · $5.3M · 2025Q4
- PHOTO 94/100
- BOOK 19.3%
- CHARTER 0.00%
- NCUSIF 1.07%
- CAMELS $5.3M
- HEALTH 844
- NW #448/4,374
- DELQ n/a
- ROA 66499
Call Report peers
Madison Fire Department carries $5.3M 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 Fire Department 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
94 Top 13% higher than 87% 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 Fire Department - Share Insurance Coverage
Charter #66499'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 Fire Department: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +27.03 pp (90.63% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Madison Fire Department in Wisconsin
- Health composite ranks #13 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #90 of 100.
- Member book place in Wisconsin: #90 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Madison Fire Department's 5300 filing moved
Madison Fire Department: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $5.3M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted -0.48 pp (19.79% → 19.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 15.2 pts
Madison Fire Department vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.31% | +0.25 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.07% | +0.62 pp |
| Member Growth | -0.12% | - |
| Loan-to-Share Ratio | 90.63% | +27.03 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 Fire Department filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.3M | 844 |
| 2024Q4 | $5.1M | 845 |
| 2023Q4 | $5.1M | 850 |
Credit Union Details
- Charter Number
- 66499
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Wisconsin
- City
- MADISON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Madison Fire Department.
| Office | City |
|---|---|
| Monroe Street Office (Main Office) | Madison, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Madison Fire Department
Cross-state asset and health neighbours for Madison Fire Department - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Madison Fire Department ranks #448 of 4,374 nationally on financial health and #13 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Compassionate Care is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Compassionate Care
- 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 Fire Department financially healthy?
Madison Fire Department scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #448 of 4,374; by total assets it ranks #3,859 of 4,374 nationally (same basis as /rankings/largest); and #90 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 19.31% net worth ratio and a 0.00% delinquency rate.
How does Madison Fire Department compare to other credit unions?
94/100 is Madison Fire Department's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fire Department?
Membership eligibility for Madison Fire Department depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Madison Fire Department directly for current membership requirements and application steps.
Is my money safe at Madison Fire Department?
Federal credit unions like Madison Fire Department 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 Fire Department's net worth ratio of 19.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Madison Fire Department offer compared to banks?
Credit unions like Madison Fire Department 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 Fire Department 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.