MADISON EDUCATION ASSOC.
Charter #67630 · Madison, FL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.30% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.00% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 31st — a 35-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 EDUCATION ASSOC. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.24M | 82th pct | 49th pct |
| Members | 760 | 67th pct | 31th pct |
| Net worth ratio | 14.27% | 34th pct | 49th pct |
| Return on average assets | 0.25% | 43th pct | 36th pct |
| Net interest margin | 3.30% | 27th pct | 21th pct |
| Cost of funds | 2.00% | 88th pct | 85th pct |
| Loan-to-share | 62.18% | 54th pct | 51th pct |
| Delinquency 60+ days | 0.52% | 42th pct | 62th pct |
| Net charge-off ratio | 0.12% | 75th pct | 69th pct |
| Loan growth YoY | 10.15% | 93th pct | 93th pct |
| Share growth YoY | 0.09% | 50th pct | 26th pct |
| Efficiency ratio | 72.47% | 27th pct | 28th pct |
structural peer set hash: 371d0bcf275d470f39174fe35262c697… (reproducible)
Closest structural peers
This is the free public view
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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.