BlastPoint's Credit Union Scorecard
MSD
Charter #20595 · KY
MSD has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% above tier average
- + Net Interest Margin 0.86% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 1.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Kentucky.
- Shares and deposits +6.6% year over year ($6.8M in shares and deposits).
- Membership: 886 members, +2.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 3.31%.
- Efficiency ratio 85.27% vs a 88.77% peer average.
- Loan-to-share ratio 67.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
886
+2.9% YoY0% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$7.8M
+0.5% YoY-0.6% QoQ
|
$-22.5M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$4.6M
-5.0% YoY-0.9% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$6.8M
+6.6% YoY-0.1% QoQ
|
$-19.0M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.3%
+190.0% YoY-176.2% QoQ
|
+1.8% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Top 3.4% in tier |
| NIM |
4.8%
-7.8% YoY-0.4% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
85.3%
+12.1% YoY+2.7% QoQ
|
-3.5% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
67.7%
-10.9% YoY-0.8% QoQ
|
+8.9% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$12,910
-1.3% YoY-0.4% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
11.9%
+185.1% YoY-2.6% QoQ
|
-12.7% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)