BlastPoint's Credit Union Scorecard
MSD
Charter #20595 · KY
MSD has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Strong member growth: 5.2% YoY
- + Member Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 4.49% below tier average
- - Net Charge-Off Rate: Bottom 1.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
886
+5.2% YoY+0.3% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
19,049
+8.0% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$7.8M
+4.5% YoY+7.0% QoQ
|
$-22.4M |
$30.2M
+1.3% YoY
|
$318.2M
+13.2% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$4.7M
+9.5% YoY-2.2% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$224.2M
+14.2% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$6.8M
+5.9% YoY+9.6% QoQ
|
$-19.0M |
$25.8M
+0.7% YoY
|
$268.6M
+13.0% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
-4.3%
-697.7% YoY-775.1% QoQ
|
-4.5% |
0.1%
-77.6% YoY
|
-0.2%
-46.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.2% in tier |
| NIM |
4.8%
-9.4% YoY-11.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.3%
-7.9% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
83.1%
+7.5% YoY+4.9% QoQ
|
-7.6% |
90.6%
+6.5% YoY
|
83.1%
-14.8% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.3%
-82.1% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
0.9%
-11.3% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
68.3%
+3.3% YoY-10.8% QoQ
|
+9.8% |
58.5%
-3.0% YoY
|
64.5%
+0.1% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$12,962
+2.0% YoY+4.1% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,696
+5.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
12.2%
+88.4% YoY+199.6% QoQ
|
-12.1% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)