Madison, FL · Charter 67630
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
40
Profitability
36
Liquidity
73
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Madison, FL · Charter 67630
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.65% | 0.56% | 0.23% | 0.66% | 0.55% | 0.25% | 0.73% | +50 bps | |
| Return on Equity | 4.33% | 4.40% | 3.97% | 1.64% | 4.62% | 3.91% | 1.74% | 5.05% | +341 bps | |
| Net Interest Margin | 2.69% | 2.71% | 2.77% | 2.79% | 2.95% | 2.77% | 3.31% | 3.03% | +24 bps | |
| Efficiency Ratio | 78.64% | 77.07% | 81.85% | 79.88% | 72.63% | 76.76% | 72.47% | 76.47% | -341 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.73% | 5.67% | 10.30% | 10.81% | 11.20% | 9.89% | 2.65% | 0.98% | -983 bps | |
| Loan Growth (YoY) | 27.33% | 21.83% | 22.54% | 16.99% | 17.87% | 11.83% | 15.49% | 17.48% | +49 bps | |
| Share Growth (YoY) | 3.19% | 5.49% | 11.26% | 11.45% | 11.47% | 10.83% | 1.89% | 0.10% | -1,135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 0.70% | 0.64% | 0.00% | 2.20% | 1.04% | 0.52% | 0.86% | +86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.94% | 14.79% | 14.03% | 13.94% | 14.21% | 13.93% | 14.27% | 14.37% | +44 bps | |
| Net Worth / Assets | 14.94% | 14.79% | 14.03% | 13.94% | 14.21% | 13.93% | 14.27% | 14.37% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.43% | 55.94% | 54.86% | 52.07% | 56.50% | 56.45% | 62.18% | 61.11% | +904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Madison, FL · Charter 67630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.72%
Rank 857 of 1,683
Net Interest Margin
3.03%
Rank 1,437 of 1,683
Efficiency Ratio
76.42%
Rank 747 of 1,682
Equity / Assets
14.38%
Rank 614 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.35% | 0.74% | 1.18% | Beats 49% | 857 / 1,683 | ||
| Return on Equity | 4.98% | 2.67% | 5.89% | 8.74% | Beats 43% | 959 / 1,681 | ||
| Net Interest Margin | 3.03% | 3.31% | 3.82% | 4.32% | Beats 15% | 1,437 / 1,683 | ||
| Efficiency Ratio | 76.42% | 68.91% | 78.20% | 86.93% | Beats 56% | 747 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,004 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.38% | 10.44% | 12.89% | 16.53% | Beats 64% | 614 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.38% | 10.44% | 12.89% | 16.53% | Beats 64% | 614 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.12% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,071 / 1,683 | ||
| Loans / Assets | 51.37% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,074 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||