MADISON EDUCATION ASSOC.
Charter #67630 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in 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
|
Bottom 21.8% in tier |
| 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
|
26th in tier |
| 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
|
26th in tier |
| 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
|
27th in tier |
| 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
|
45th in tier |
| 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
|
Bottom 16.8% in tier |
| 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
|
36th in tier |
| Delinquency Rate |
2.2%
+37.4% YoY
|
+0.7 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 17.8% in tier |
| 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
|
43rd in tier |
| 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
|
43rd in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
102
AMR Growth Rate
growth
Value:
16.09%
Peer Avg: 4.67%
#102 of 2596
Top 3.9% in <100M tier
111
Loan Growth Rate
growth
Value:
17.87%
Peer Avg: 59.01%
#111 of 2596
Top 4.2% in <100M tier
167
Asset Growth Rate
growth
Value:
11.20%
Peer Avg: 1.82%
#167 of 2596
Top 6.4% in <100M tier
172
Deposit Growth Rate
growth
Value:
11.47%
Peer Avg: 16.80%
#172 of 2596
Top 6.6% in <100M tier
Top Weaknesses (4 metrics)
2283
Share Certificate Concentration (%)
balance_sheet
Value:
34.58%
Peer Avg: 15.37%
#2283 of 2596
Bottom 12.1% in <100M tier
2160
Net Interest Margin (NIM)
profitability
Value:
2.96%
Peer Avg: 3.93%
#2160 of 2596
Bottom 16.8% in <100M tier
2135
Total Delinquency Rate (60+ days)
risk
Value:
2.20%
Peer Avg: 1.51%
#2135 of 2596
Bottom 17.8% in <100M tier
2030
Total Members
engagement
Value:
762
Peer Avg: 2,626
#2030 of 2596
Bottom 21.8% in <100M tier