Side-by-side · Q2 2026 data
Madison County Federal Credit Union vs Thrive Federal Credit Union
Metric by metric
| Measure | Madison County Federal Credit Union | Thrive Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 68 |
| Capital cushion | 62 | 70 (stronger) |
| Loan quality | 78 (stronger) | 64 |
| Earnings | 60 (stronger) | 51 |
| Funding & liquidity | 92 (stronger) | 82 |
| Problem-loan coverage | 93 (stronger) | 88 |
| Peer percentile | 60th | 45th |
| Total assets | $114.0M | $110.0M |
| Deposits / shares | $100.2M | $96.2M |
| Capital ratio | 11.24% | 12.00% (stronger) |
| Problem loans | 0.67% (stronger) | 1.08% |
| Net charge-offs | 0.37% (stronger) | 0.43% |
| Return on assets | 1.01% (stronger) | 0.77% |
| Loans ÷ deposits | 68.0% (stronger) | 77.9% |
| Uninsured deposits | 2.9% (stronger) | 10.5% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 1.3% |
Madison County Federal Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Madison County Federal Credit Union leads on 6 and Thrive Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.