MADISON COUNTY
Charter #306 · Anderson, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.85% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.29% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 43rd — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MADISON COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $117.13M | 12th pct | 43th pct |
| Members | 9,062 | 25th pct | 41th pct |
| Net worth ratio | 10.68% | 38th pct | 36th pct |
| Return on average assets | 0.97% | 68th pct | 74th pct |
| Net interest margin | 4.85% | 95th pct | 92th pct |
| Cost of funds | 0.29% | 12th pct | 16th pct |
| Loan-to-share | 65.25% | 36th pct | 64th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 31th pct |
| Net charge-off ratio | 0.38% | 52th pct | 31th pct |
| Loan growth YoY | -1.01% | 36th pct | 39th pct |
| Share growth YoY | 2.67% | 38th pct | 43th pct |
| Efficiency ratio | 82.96% | 66th pct | 57th pct |
structural peer set hash: c0b8be3b123c801c4830861e392e7a3b… (reproducible)
Closest structural peers
This is the free public view
Claim MADISON COUNTY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.