MSD
Charter #20595 · LOUISVILLE, KY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -4.49% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.38% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 6.40% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 51st — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MSD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.83M | 85th pct | 51th pct |
| Members | 886 | 77th pct | 49th pct |
| Net worth ratio | 12.77% | 26th pct | 48th pct |
| Return on average assets | -4.49% | 4th pct | 2th pct |
| Net interest margin | 4.93% | 76th pct | 69th pct |
| Cost of funds | 0.38% | 43th pct | 21th pct |
| Loan-to-share | 68.28% | 62th pct | 34th pct |
| Delinquency 60+ days | 0.28% | 36th pct | 38th pct |
| Net charge-off ratio | 6.40% | 96th pct | 98th pct |
| Loan growth YoY | -2.31% | 64th pct | 48th pct |
| Share growth YoY | 8.71% | 92th pct | 89th pct |
| Efficiency ratio | 83.05% | 45th pct | 57th pct |
structural peer set hash: 8155f02806a3a2dc72262706f09294bf… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.