Madison County Federal Credit Union
Total assets
$117.1M
▲ +2.9% YoY
Shares & deposits
$103.7M
▲ +1.8% YoY
Loans
$67.6M
▲ +3.1% YoY
Members
9,062
▲ +1.1% YoY
ROA (annualized)
0.95%
peers 0.69%
ROE (annualized)
8.89%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.1 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 8.9% | 5.9% | +2.9 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 621 E 8Th St, Anderson, IN, 46012
- NCUA charter #
- 306
- RSSD ID
- 570875
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.1M | $103.7M | $67.6M | $12.5M | $278K | 0.95% | 4.77% | 0.45% | 9,062 |
| Q4 2025 | $112.9M | $100.5M | $68.2M | $12.2M | $1.1M | 0.99% | 4.97% | 1.10% | 9,032 |
| Q3 2025 | $113.3M | $101.0M | $68.3M | $12.2M | $884K | 1.04% | 4.91% | 1.40% | 9,040 |
| Q2 2025 | $112.2M | $99.9M | $66.6M | $11.9M | $575K | 1.03% | 4.87% | 1.59% | 9,018 |
| Q1 2025 | $113.8M | $101.8M | $65.6M | $11.4M | $124K | 0.43% | 4.71% | 0.95% | 8,962 |
| Q4 2024 | $108.5M | $97.2M | $65.7M | $11.3M | $1.3M | 1.20% | 4.81% | 2.12% | 8,932 |
| Q3 2024 | $109.6M | $98.5M | $65.8M | $11.2M | $994K | 1.21% | 4.73% | 2.21% | 8,954 |
| Q2 2024 | $109.5M | $98.8M | $65.7M | $10.8M | $662K | 1.21% | 4.62% | 1.87% | 8,973 |
Loan mix (Q1 2026): real estate $32.5M · commercial $0 · consumer $34.0M · securities $32.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.62% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 78.7% | 66th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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