Credit Union Safety Analysis
Is Madison Credit Union Safe? Madison, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Madison Credit Union has a net worth ratio of 11.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.82%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Madison Credit Union's net worth ratio is 11.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.04%
- Delinquency ratio (60+ days) (Q2 2026): 0.82%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 46.16%
Madison Credit Union (NCUA charter 66431, established 1936) reported $65.1M in assets and 3,117 members for Q2 2026 from Madison, Wisconsin. It ranks 60 of 98 credit unions in Wisconsin by total assets. Total assets grew 7.9% from $60.4M on June 30, 2025. It has 23 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 0.40 percentage points from 10.64% on June 30, 2025. Used vehicle loans are its largest loan category, $12.0M of $26.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.82% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.23% for Q1 2026; 10.64% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.24% for Q1 2026; 0.27% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.26% for Q1 2026; 0.75% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 48.57% for Q1 2026; 49.51% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $12.0M
- 1- to 4-family residential and other consumer real estate loans: $8.2M
- New vehicle loans: $4.7M
- Other unsecured loans and lines of credit: $610K
- Commercial loans: $602K
- Other secured non-real estate loans and lines of credit: $212K
- Unsecured credit card loans: $183K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $65.1M | 11.04% | 0.82% | 0.98% | 46.16% |
| March 31, 2026 | $62.6M | 11.23% | 0.24% | 1.26% | 48.57% |
| December 31, 2025 | $60.8M | 11.23% | 0.47% | 1.47% | 47.92% |
| September 30, 2025 | $61.7M | 10.71% | 0.18% | 1.20% | 48.83% |
| June 30, 2025 | $60.4M | 10.64% | 0.27% | 0.75% | 49.51% |
| March 31, 2025 | $59.5M | 10.61% | 0.20% | 0.96% | 50.60% |
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Free to use. It shows Madison Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66431) · FFIEC NIC profile (RSSD 672292)
Frequently asked questions
Is Madison Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Madison Credit Union's net worth ratio is 11.04%, above the 7% NCUA threshold for well capitalized.
Is Madison Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Madison Credit Union is a federally insured credit union (NCUA charter 66431): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Madison Credit Union's key safety ratios?
For Q2 2026, Madison Credit Union reports net worth 11.04%, delinquency 0.82%, ROA 0.98%, loan-to-share 46.16%.
What happens to my money if Madison Credit Union fails?
For Q2 2026, Madison Credit Union held $57.4M in shares and deposits for 3,117 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.