Credit Union Safety Analysis
Is Madison Fire Department Credit Union Safe? Madison, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Madison Fire Department Credit Union has a net worth ratio of 19.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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 Fire Department Credit Union's net worth ratio is 19.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.86%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.28%
- Loan-to-share ratio (Q2 2026): 89.97%
Madison Fire Department Credit Union (NCUA charter 66499, established 1931) reported $5.5M in assets and 841 members for Q2 2026 from Madison, Wisconsin. It ranks 89 of 98 credit unions in Wisconsin by total assets. Total assets grew 3.0% from $5.3M on June 30, 2025. It has 7 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.70 percentage points from 19.16% on June 30, 2025. Used vehicle loans are its largest loan category, $2.6M of $3.9M in total loans on its June 30, 2026 filing.
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: 19.31% for Q1 2026; 19.16% 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%.
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: 1.21% for Q1 2026; 0.94% 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: 85.61% for Q1 2026; 89.75% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.6M
- New vehicle loans: $926K
- Other unsecured loans and lines of credit: $323K
- Other secured non-real estate loans and lines of credit: $40K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.5M | 19.86% | — | 1.28% | 89.97% |
| March 31, 2026 | $5.5M | 19.31% | — | 1.21% | 85.61% |
| December 31, 2025 | $5.3M | 19.79% | — | 1.61% | 90.63% |
| September 30, 2025 | $5.5M | 18.99% | — | 1.00% | 90.36% |
| June 30, 2025 | $5.3M | 19.16% | — | 0.94% | 89.75% |
| March 31, 2025 | $5.2M | 19.18% | — | 0.98% | 92.81% |
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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.
Madison Fire Department Credit Union profile
Regulator records: NCUA credit union profile (charter 66499) · FFIEC NIC profile (RSSD 969394)
Frequently asked questions
Is Madison Fire Department Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Madison Fire Department Credit Union's net worth ratio is 19.86%, above the 7% NCUA threshold for well capitalized.
Is Madison Fire Department Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Madison Fire Department Credit Union is a federally insured credit union (NCUA charter 66499): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Madison Fire Department Credit Union's key safety ratios?
For Q2 2026, Madison Fire Department Credit Union reports net worth 19.86%, delinquency not reported, ROA 1.28%, loan-to-share 89.97%.
What happens to my money if Madison Fire Department Credit Union fails?
For Q2 2026, Madison Fire Department Credit Union held $4.4M in shares and deposits for 841 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.