Federal credit union · LOUISVILLE, Kentucky · NCUA charter #20595
Msd
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $7.3M
- Total assets
- 883
- Members
- 13.3%
- Net-worth ratio
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.
Msd - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)63
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.26% | 30% |
| Delinquency Rate | 1.58% | 25% |
| Return on Assets | -2.33% | 15% |
| Member Growth | 6.64% | 15% |
| Loan-to-Share Ratio | 76.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Msd
883 members and $7.3M in total assets sit behind Msd, a federal credit union in LOUISVILLE, Kentucky, which posts a health score of 76/100 (Very Good) on the five-factor composite, with $4.8M in outstanding loans as of Q4 2025 and a net worth ratio of 13.26% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #20595 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
1.58% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 76.52% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -2.33% on net income of $-170595 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.64%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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–$10M64Health
- REGIONAL MEDICAL CTR HOPKINS CO EMPMADISONVILLE, KY · $2M–$10M87Health
- MODERN EMPLOYEESOWENSBORO, KY · $2M–$10M51Health
- CORNING GLASS WORKS HARRODSBGHarrodsburg, KY · $2M–$10M58Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Msd financially healthy?
A 13.26% 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. 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 13.26% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.