Msd

LOUISVILLE, KY · 1 · Charter #20595 · www.louisvillemsd.org/credi
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.3M
34th percentile
Members
883
33th percentile
Total loans
$4.8M
42th percentile
Total shares
$6.2M
35th percentile

Profitability

Return on assets
1.39%
75th percentile
Net interest margin
5.38%
90th percentile
Efficiency ratio
75.98%
31th percentile
Non-interest income ratio
20.35%
83th percentile

Capital & Risk

Net worth ratio
14.88%
50th percentile
Delinquency rate
1.58%
30th percentile
Net charge-off rate
0.85%
20th percentile
Loan-to-share
76.52%
72th percentile

Growth

Member growth YoY
6.64%
95th percentile
Asset growth YoY
1.80%
55th percentile
Loan growth YoY
17.21%
95th percentile
Share growth YoY
1.38%
55th percentile

Operations

Members / branch
883
42th percentile
Assets / member
$8,289
41th percentile
Field of membership penetration
41.17%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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