BlastPoint's Credit Union Scorecard
MSD
Charter #20595 · KY
MSD has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.28% above tier average
- + Strong member growth: 7.7% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Member Growth Rate: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
871
+7.7% YoY+1.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$7.4M
-0.2% YoY-5.0% QoQ
|
$-22.5M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$4.8M
+19.8% YoY-1.9% QoQ
|
$-11.0M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$6.3M
-0.4% YoY-1.9% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
27% |
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 |
0.5%
-117.5% YoY-56.0% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
5.2%
-8.8% YoY+1.1% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
77.7%
+7.9% YoY+2.2% QoQ
|
-3.7% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
76.0%
+20.3% YoY-0.0% QoQ
|
+14.7% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$12,684
-0.3% YoY-3.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
4.8%
-38.6% YoY+15.8% QoQ
|
-19.6% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)