BlastPoint's Credit Union Scorecard
MADISON EDUCATION ASSOC.
Charter #67630 · FL
MADISON EDUCATION ASSOC. has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Delinquency rate 0.69% above tier average
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
762
-2.1% YoY+0.4% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$7.2M
+11.2% YoY+0.8% QoQ
|
$-22.6M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$3.4M
+17.9% YoY+8.4% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$6.1M
+11.5% YoY-0.1% QoQ
|
$-19.4M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
0.7%
+1.6% YoY+185.5% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
3.0%
+9.6% YoY+5.0% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
17% |
| Efficiency Ratio |
72.6%
-7.6% YoY-9.1% QoQ
|
-8.8% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
2.2%
+37.4% YoY
|
+0.7 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
56.5%
+5.7% YoY+8.5% QoQ
|
-4.7% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$12,510
+16.1% YoY+2.4% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
34.6%
+59.4% YoY+3.6% QoQ
|
+10.2% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)