Federal credit union · LOUISVILLE, Kentucky · NCUA charter #20595
MSD
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $7.3M
- Total assets
- 883
- Members
- 12.8%
- Net-worth ratio
MSD scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.3M; members 883; net-worth ratio 12.77%; health rank #3,175 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,175 of 4,374 health · 2025Q4MSD · health 76/100 · $7.3M · 2025Q4
- ROA 76/100
- ASSETS 12.8%
- MEM 1.58%
- RANK -2.33%
- PHOTO $7.3M
- BOOK 883
- CHARTER #3,175/4,374
- NCUSIF n/a
- CAMELS 20595
Call Report peers
MSD carries $7.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MSD vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% 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
MSD - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20595 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where MSD diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 76.52% vs peer 63.60% (+12.92 pp).
- Widest shortfall vs peers is Net Worth Ratio: -6.29 pp (12.77% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kentucky standing for MSD
- In Kentucky, health place is #41 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #49 of 54.
- Membership ranks #48 of 54 among Kentucky CUs with a reported count (883 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MSD's 5300 filing moved
MSD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.0% from $7.3M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted -2.11 pp (14.88% → 12.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.6 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
MSD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.77% | -6.29 pp |
| Delinquency Rate | 1.58% | -0.23 pp |
| Return on Assets | -2.33% | -2.78 pp |
| Member Growth | 6.64% | - |
| Loan-to-Share Ratio | 76.52% | +12.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - MSD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.8M | - |
| 2025Q4 | $7.3M | 883 |
| 2024Q4 | $7.2M | 828 |
| 2023Q4 | $7.6M | 817 |
Credit Union Details
- Charter Number
- 20595
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Kentucky
- City
- LOUISVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, MSD runs one office.
| Office | City |
|---|---|
| MSD Federal Credit Union (Main Office) | Louisville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
- SHAWNEE TVA EMPLOYEESWEST PADUCAH, KY · $2M–$10M85Health
- F.C.I. ASHLANDAshland, KY · $2M–$10M84Health
- REGIONAL MEDICAL CTR HOPKINS CO EMPMADISONVILLE, KY · $2M–$10M87Health
- MODERN EMPLOYEESOWENSBORO, KY · $2M–$10M51Health
- CORNING GLASS WORKS HARRODSBGHarrodsburg, KY · $2M–$10M58Health
Nationwide credit unions with similar profiles
MSD's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- MSD ranks #3,175 of 4,374 nationally on financial health and #41 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Shawnee Tva Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Shawnee Tva Employees
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is MSD financially healthy?
A 12.77% net worth ratio and a 1.58% delinquency rate feed into MSD's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,175 of 4,374; by total assets it ranks #3,711 of 4,374 nationally (same basis as /rankings/largest); and #49 of 54 within Kentucky. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MSD compare to other credit unions?
PlainCU's health composite puts MSD at 76/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join MSD?
MSD 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 MSD directly for the exact boundaries and application steps.
Is my money safe at MSD?
Federal credit unions like MSD are 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. MSD's net worth ratio of 12.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MSD offer compared to banks?
Credit unions like MSD are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact MSD directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.