PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Madison Education Assoc.

Madison, FL · Charter 67630

NCUA · 1 branch

Q2 2026

$7.3MAssets
$3.7MLoans
$6.1MShares
$1.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.73%, up 50 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.86% of loans (+86 bps YoY).
  • Capital: net worth / assets of 14.37%, up 44 bps from a year ago.
  • Funding: loans stand at 61.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.03%+24 bps YoY

Efficiency Ratio (YTD, annualized)

76.47%-341 bps YoY

Net Worth / Assets

14.37%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.66%0.55%0.25%0.73%+50 bps
Return on Equity1.64%4.62%3.91%1.74%5.05%+341 bps
Net Interest Margin2.79%2.95%2.77%3.31%3.03%+24 bps
Efficiency Ratio79.88%72.63%76.76%72.47%76.47%-341 bps
Growth
Asset Growth (YoY)10.81%11.20%9.89%2.65%0.98%-983 bps
Loan Growth (YoY)16.99%17.87%11.83%15.49%17.48%+49 bps
Share Growth (YoY)11.45%11.47%10.83%1.89%0.10%-1,135 bps
Asset Quality
Delinquent Loans / Loans0.00%2.20%1.04%0.52%0.86%+86 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.94%14.21%13.93%14.27%14.37%+44 bps
Net Worth / Assets13.94%14.21%13.93%14.27%14.37%+44 bps
Liquidity & Funding
Loans / Shares52.07%56.50%56.45%62.18%61.11%+904 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps