BlastPoint's Credit Union Scorecard
MADISON EDUCATION ASSOC.
Charter #67630 · FL
MADISON EDUCATION ASSOC. has 6 strengths but faces 1 concern
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 6.1% in tier
- + Deposit Growth Rate: Top 8.3% in tier
- + Loan Growth Rate: Top 8.6% in tier
- + Asset Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
764
-1.5% YoY+0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$7.3M
+9.9% YoY+0.5% QoQ
|
$-22.9M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$3.5M
+11.8% YoY+1.2% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$6.2M
+10.8% YoY+1.3% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-16.6% YoY-17.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.8%
+1.6% YoY-6.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
76.8%
-0.4% YoY+5.7% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
1.0%
+48.8% YoY-52.9% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
56.4%
+0.9% YoY-0.1% QoQ
|
-4.2% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$12,640
+12.9% YoY+1.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
33.1%
+83.1% YoY-4.3% QoQ
|
+8.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)