TellerScore

Madison Education Assoc. Credit Union is a federally insured state-chartered credit union headquartered in Madison, Florida, in business for about 63 years. At the end of Q2 2026 it reported $7.3M in total assets and $6.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Madison Education Assoc. Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 26th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 0% uninsured), and its lowest is earnings (49/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.37%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity99/100
Loans ÷ shares: 61.1% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (83 → 80), mostly because the loan quality component weakened by 29 points.

TellerScore
677583Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202475
Q4 202482
Q1 202580
Q2 202583
Q3 202567
Q4 202576
Q1 202679
Q2 202680
Net worth ratio
7.00%10.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.80%
Q3 202414.92%
Q4 202414.78%
Q1 202514.02%
Q2 202513.93%
Q3 202514.20%
Q4 202513.93%
Q1 202614.27%
Q2 202614.37%
Delinquent loans (60+ days)
0.00%1.10%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20241.60%
Q4 20240.70%
Q1 20250.64%
Q2 20250.00%
Q3 20252.20%
Q4 20251.04%
Q1 20260.52%
Q2 20260.86%
Return on assets
0.23%0.48%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.65%
Q4 20240.65%
Q1 20250.56%
Q2 20250.23%
Q3 20250.66%
Q4 20250.55%
Q1 20260.25%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$7.3M14.37%0.86%0.73%61.1%
Q1 202679$7.2M14.27%0.52%0.25%62.2%
Q4 202576$7.3M13.93%1.04%0.55%56.4%
Q3 202567$7.2M14.20%2.20%0.66%56.5%
Q2 202583$7.2M13.93%0.00%0.23%52.1%
Q1 202580$7.1M14.02%0.64%0.56%54.9%
Q4 202482$6.6M14.78%0.70%0.65%55.9%
Q3 202475$6.5M14.92%1.60%0.65%53.4%
Q2 202482$6.5M14.80%0.66%0.60%49.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.37%
50th
Problem loans0.86%
44th
Net charge-offs0.14%
54th
Return on assets0.73%
54th
Loans to deposits61.1%
46th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.1%
42nd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Local 606 Electrical Workers Federal Credit UnionCredit union Orlando, FL89 out of 100, Very strong$5.5M24.2%0.00%vs
Container Mutual Credit UnionCredit union Fernandina Beac, FL85 out of 100, Very strong$5.5M48.0%0.41%vs
Unity of Eatonville Federal Credit UnionCredit union Eatonville, FL41 out of 100, Below average$3.1M3.1%0.91%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs

Deposit insurance

Is my money safe at Madison Education Assoc. Credit Union?

Yes. Madison Education Assoc. Credit Union is a federally insured credit union (NCUA charter #67630). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Madison Education Assoc. Credit Union lists 1 office in 1 city. Most locations:

  • Madison, FL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Madison Education Assoc. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67630
RSSD ID
1226991
Primary regulator
State + NCUA
Established
1963
Headquarters
P O Box 449, Madison, FL 32341
Employees
3

Quick answers

Madison Education Assoc. Credit Union: common questions

Is Madison Education Assoc. Credit Union NCUA insured?

Yes. Madison Education Assoc. Credit Union is a federally insured credit union (NCUA charter #67630). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Madison Education Assoc. Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Madison Education Assoc. Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs
Madison County Community BankBank Madison, FL66 out of 100, Moderate$211.7M8.4%0.30%vs
Pinnacle BankBank Nashville, TN60 out of 100, Moderate$128.8B9.0%0.48%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs
First Federal Savings and Loan Association of ValdostaBank Valdosta, GA57 out of 100, Moderate$278.5M12.3%1.79%vs