Madison County

Anderson, IN · 1 · Charter #306 · www.madcofcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$112.9M
54th percentile
Members
9,032
61th percentile
Total loans
$68.2M
57th percentile
Total shares
$100.5M
56th percentile

Profitability

Return on assets
1.46%
76th percentile
Net interest margin
4.97%
95th percentile
Efficiency ratio
77.44%
10th percentile
Non-interest income ratio
31.77%
95th percentile

Capital & Risk

Net worth ratio
10.83%
33th percentile
Delinquency rate
1.10%
29th percentile
Net charge-off rate
0.70%
19th percentile
Loan-to-share
67.91%
50th percentile

Growth

Member growth YoY
1.12%
71th percentile
Asset growth YoY
4.09%
51th percentile
Loan growth YoY
3.91%
65th percentile
Share growth YoY
3.42%
50th percentile

Operations

Members / branch
1,806
16th percentile
Assets / member
$12,503
34th percentile
Field of membership penetration
2.41%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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