| Metric | Madison Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.6M | $55.2M | $26.8M | $7.0M | $197K | 1.26% | 3.94% | 0.24% | 3,111 |
| Q4 2025 | $60.8M | $55.3M | $26.5M | $6.8M | $666K | 1.09% | 3.76% | 0.47% | 3,089 |
| Q3 2025 | $61.7M | $54.4M | $26.6M | $6.6M | $441K | 0.95% | 3.63% | 0.18% | 3,113 |
| Q2 2025 | $60.4M | $53.4M | $26.4M | $6.4M | $257K | 0.85% | 3.61% | 0.27% | 3,094 |
| Q1 2025 | $59.5M | $52.3M | $26.4M | $6.3M | $143K | 0.96% | 3.59% | 0.20% | 3,106 |
| Q4 2024 | $58.7M | $53.8M | $25.8M | $6.2M | $588K | 1.00% | 3.41% | 0.15% | 3,077 |
| Q3 2024 | $58.5M | $51.9M | $26.2M | $6.0M | $416K | 0.95% | 3.35% | 0.31% | 3,135 |
| Q2 2024 | $59.2M | $52.6M | $25.9M | $5.9M | $315K | 1.06% | 3.23% | 0.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Madison Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,114 |
Loan mix (Q1 2026): real estate $8.2M · commercial $609K · consumer $17.6M · securities $31.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 81.5% | 20th |
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% |
| Ratio | Madison Credit Union | 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% |
| Ratio | Madison Credit Union | 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% |
| Ratio | Madison Credit Union | 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% |
| Ratio | Madison Credit Union | 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% |
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