Side-by-side · Q2 2026 data
Madison County Federal Credit Union vs Indiana Members Credit Union
Metric by metric
| Measure | Madison County Federal Credit Union | Indiana Members Credit Union |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 62 (stronger) | 56 |
| Loan quality | 78 | 84 (stronger) |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 92 (stronger) | 90 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 60th | 72nd |
| Total assets | $114.0M | $3.6B |
| Deposits / shares | $100.2M | $3.1B |
| Capital ratio | 11.24% (stronger) | 10.56% |
| Problem loans | 0.67% | 0.49% (stronger) |
| Net charge-offs | 0.37% (stronger) | 0.40% |
| Return on assets | 1.01% | 1.11% (stronger) |
| Loans ÷ deposits | 68.0% (stronger) | 70.6% |
| Uninsured deposits | 2.9% (stronger) | 11.5% |
| Offices | 5 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 14.1% |
Indiana Members Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Madison County Federal Credit Union leads on 4 and Indiana Members Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.