BlastPoint's Credit Union Scorecard
MSD
Charter #20595 · KY
MSD has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Net Interest Margin 1.42% above tier average
- + Strong member growth: 6.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.5% in tier
- + Loan Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.03% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
883
+6.6% YoY+1.4% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$7.3M
+1.8% YoY-0.5% QoQ
|
$-22.8M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$4.8M
+17.2% YoY-0.1% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$6.2M
+1.4% YoY-0.8% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.6%
-127.5% YoY+28.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
5.4%
-5.9% YoY+3.0% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.4% in tier |
| Efficiency Ratio |
79.1%
+8.4% YoY+1.8% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.6%
+5688.8% YoY
|
+0.0 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
76.5%
+15.6% YoY+0.7% QoQ
|
+15.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$12,449
+1.0% YoY-1.9% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
4.1%
-49.9% YoY-15.7% QoQ
|
-20.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 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)