Side-by-side · Q2 2026 data
Pinnacle Bank vs Madison Education Assoc. Credit Union
Credit union
Madison Education Assoc. Credit Union
Madison, Florida · Under $100 million in assets
Metric by metric
| Measure | Pinnacle Bank | Madison Education Assoc. Credit Union |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 40 | 94 (stronger) |
| Loan quality | 84 (stronger) | 71 |
| Earnings | 63 (stronger) | 49 |
| Funding & liquidity | 36 | 99 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 37th | 65th |
| Total assets | $128.8B | $7.3M |
| Deposits / shares | $102.2B | $6.1M |
| Capital ratio | 8.97% | 14.37% (stronger) |
| Problem loans | 0.48% (stronger) | 0.86% |
| Net charge-offs | 0.27% | 0.14% (stronger) |
| Return on assets | 1.08% (stronger) | 0.73% |
| Loans ÷ deposits | 85.8% | 61.1% (stronger) |
| Uninsured deposits | 49.5% | 0.0% (stronger) |
| Offices | 377 | 1 |
| CFPB complaints (3 yrs) | 750 | — |
| Complaints per $1B deposits | 7.3 | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Madison Education Assoc. Credit Union has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Pinnacle Bank leads on 2 and Madison Education Assoc. Credit Union on 5. 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.