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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); MSD sits in 75-79 with 502 others.
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
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%).
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).
- One place up in Kentucky, Your Hometown (#40) scores 77/100, 1 point higher; one place down, Beacon Community (#42) ties at 76/100.
How MSD's 5300 filing moved
MSD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.0% from $7.3M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted -2.11 pp (14.88% → 12.77%).
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
MSD gives up 24 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is MSD financially healthy?
MSD has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,175 of 4,374 nationally on health and #41 of 54 in Kentucky. Its net worth ratio is 12.77% and its delinquency rate 1.58%.
How does MSD compare to other credit unions?
MSD scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (76.52% vs 63.60%). Its widest shortfall is net worth ratio (12.77% vs 19.06%).
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?
MSD 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. MSD's net worth ratio of 12.77% 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.