Federal credit union · Murray, Kentucky · NCUA charter #22978
Main Impact
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $23.1M
- Total assets
- 2,001
- Members
- 10.1%
- Net-worth ratio
Main Impact scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.1M; members 2,001; net-worth ratio 10.06%; health rank #542 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#542 of 4,374 health · 2025Q4Main Impact · health 94/100 · $23.1M · 2025Q4
Call Report peers
Main Impact in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Main Impact vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Main Impact sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Main Impact diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 69.35% vs peer 59.80% (+9.55 pp).
- Largest lag: Net Worth Ratio at 10.06% vs peer 14.86% (-4.80 pp).
Main Impact in Kentucky
- Health composite ranks #10 of 54 among scored Kentucky credit unions.
- By total assets, Main Impact is #38 of 54 in Kentucky.
- Kentucky membership ordinal: #40 of 54.
- One place up in Kentucky, K I T (#9) ties at 94/100; one place down, Morehead Community (#11) scores 92/100, 2 points lower.
Main Impact: 2025Q4 → 2026Q1
Main Impact: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $23.1M (2025Q4) to $23.9M (2026Q1).
- Net-worth ratio shifted -0.18 pp (10.24% → 10.06%).
10.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Main Impact gives up 6 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.5 pts
Main Impact vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.06% | -4.80 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.75% | +0.04 pp |
| Member Growth | 0.45% | - |
| Loan-to-Share Ratio | 69.35% | +9.55 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.9M | - |
| 2025Q4 | $23.1M | 2,001 |
| 2024Q4 | $22.4M | 1,992 |
| 2023Q4 | $22.4M | 2,058 |
Credit Union Details
- Charter Number
- 22978
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Murray
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Main Impact runs 2 offices.
| Office | City |
|---|---|
| Main Impact Federal Credit Union (Main Office) | Murray, KY |
| Regions Bank | Murray, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Main Impact nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Main Impact ranks #542 of 4,374 nationally on financial health and #10 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- K I T is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with K I T
Frequently Asked Questions
Is Main Impact financially healthy?
Main Impact has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #542 of 4,374 nationally on health and #10 of 54 in Kentucky. Its net worth ratio is 10.06% and its delinquency rate 0.00%.
How does Main Impact compare to other credit unions?
Main Impact scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.35% vs 59.80%). Its widest shortfall is net worth ratio (10.06% vs 14.86%).
How can I join Main Impact?
Main Impact operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Main Impact directly for the exact boundaries and application steps.
Is my money safe at Main Impact?
Main Impact is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Main Impact's net worth ratio of 10.06% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.