credit union · NCUA 22978 · KY
How big is MSU?
MSU (KY, NCUA charter 22978) reported total assets of $23.3M, 2,024 members and a net worth ratio of 10.47% in its Call Report for 2026Q2. That ranks 3023 of 4,299 federally insured credit unions by assets, 630 of 1,135 among credit unions with $10m-$50m in assets, 36 of 51 credit unions in kentucky.
What stands out
MSU (KY, NCUA charter 22978) reported total assets of $23.3M, 2,024 members and a net worth ratio of 10.47% in its Call Report for 2026Q2. That ranks 3023 of 4,299 federally insured credit unions by assets, 630 of 1,135 among credit unions with $10m-$50m in assets, 36 of 51 credit unions in kentucky. Against its size class: net worth ratio 10.47%, below the peer median of 13.88%; loan-to-share ratio 68.84%, above the peer median of 57.77%; return on assets 0.63%, below the peer median of 0.70%. At 10.47% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $23.3M | $25.2M | $56.1M | $68.3M | record → |
| Shares and deposits | $20.8M | $21.4M | $46.3M | $58.3M | record → |
| Loans outstanding | $14.3M | $11.2M | $22.8M | $34.4M | record → |
| Net income (year to date) | $73.3k | $82.1k | $184.8k | $222.2k | record → |
| Net worth | $2.4M | $3.4M | $8.2M | $9.0M | record → |
| Net worth ratio | 10.47% | 13.88% | 12.98% | 12.65% | record → |
| Loan-to-share ratio | 68.84% | 57.77% | 66.54% | 68.70% | computed |
| Return on assets | 0.63% | 0.70% | 0.64% | 0.71% | computed |
| Members | 2,024 | 2,092 | 4,475 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $23.3M | $20.8M | $14.3M | $73.3k | 10.47% | 2,024 | 3023 |
| 2026Q1 | $23.9M | $21.2M | $14.2M | $38.6k | 10.06% | 2,002 | 3018 |
| 2025Q4 | $23.1M | $20.6M | $14.3M | $156.9k | 10.24% | 2,001 | 3056 |
| 2025Q3 | $22.7M | $20.2M | $14.4M | $108.0k | 10.18% | 1,999 | 3080 |
| 2025Q2 | $23.1M | $20.7M | $14.0M | $72.0k | 9.87% | 2,009 | 3086 |
| 2025Q1 | $23.0M | $20.7M | $13.4M | $29.9k | 9.74% | 2,002 | 3118 |
| 2024Q4 | $22.4M | $20.0M | $13.6M | $172.3k | 9.85% | 1,992 | 3140 |
| 2024Q3 | $22.4M | $20.2M | $13.4M | $141.1k | 9.70% | 1,991 | 3155 |
| 2024Q2 | $21.7M | $19.4M | $12.9M | $101.4k | 9.84% | 2,013 | 3202 |
| 2024Q1 | $22.2M | $20.0M | $12.8M | $46.2k | 9.37% | 2,022 | 3209 |
| 2023Q4 | $22.4M | $20.1M | $13.0M | $172.2k | 9.08% | 2,058 | 3204 |
| 2023Q3 | $22.3M | $20.0M | $13.3M | $126.7k | 8.91% | 2,095 | 3232 |
| 2023Q2 | $22.0M | $19.7M | $13.2M | $66.5k | 8.76% | 2,134 | 3259 |
| 2023Q1 | $22.7M | $20.7M | $13.3M | $31.0k | 8.32% | 2,156 | 3254 |
| 2022Q4 | $22.4M | $20.4M | $13.8M | $83.2k | 8.29% | 2,145 | 3284 |
| 2022Q3 | $23.1M | $21.0M | $13.7M | $53.9k | 7.94% | 2,145 | 3286 |
| 2022Q2 | $23.2M | $21.3M | $13.5M | $28.5k | 7.79% | 2,153 | 3292 |
| 2022Q1 | $23.4M | $21.4M | $12.7M | $9.1k | 7.64% | 2,158 | 3307 |
| 2021Q4 | $23.2M | $21.2M | $12.9M | $110.4k | 7.67% | 2,156 | 3304 |
| 2021Q3 | $23.0M | $21.2M | $12.9M | $49.3k | 7.46% | 2,169 | 3317 |
| 2021Q2 | $23.0M | $21.2M | $12.8M | $29.7k | 7.39% | 2,182 | 3319 |
| 2021Q1 | $22.6M | $20.9M | $12.6M | $14.1k | 7.44% | 2,172 | 3343 |
| 2020Q4 | $21.4M | $19.7M | $12.6M | $99.1k | 7.78% | 2,156 | 3357 |
| 2020Q3 | $21.6M | $20.0M | $12.8M | $74.7k | 7.59% | 2,171 | 3331 |
| 2020Q2 | $21.2M | $19.6M | $12.9M | $48.3k | 7.62% | 2,179 | 3347 |
| 2020Q1 | $20.3M | $18.7M | $13.4M | $16.5k | 7.78% | 2,171 | 3331 |
| 2019Q4 | $19.7M | $18.1M | $13.8M | $45.7k | 7.95% | 2,180 | 3348 |
| 2019Q3 | $20.1M | $18.4M | $13.8M | $33.5k | 7.81% | 2,182 | 3339 |
| 2019Q2 | $19.9M | $18.3M | $13.3M | $16.0k | 7.77% | 2,165 | 3354 |
| 2019Q1 | $19.8M | $18.2M | $13.0M | $3.5k | 7.76% | 2,149 | 3368 |
| 2018Q4 | $19.2M | $17.6M | $13.0M | $27.4k | 7.98% | 2,164 | 3398 |
| 2018Q3 | $19.7M | $18.1M | $13.1M | $17.1k | 7.73% | 2,164 | 3384 |
| 2018Q2 | $19.6M | $18.1M | $12.7M | $5.5k | 7.70% | 2,174 | 3408 |
| 2018Q1 | $19.7M | $18.1M | $12.7M | $671 | 7.66% | 2,187 | 3416 |
| 2017Q4 | $19.0M | $17.5M | $12.8M | $5.3k | 7.91% | 2,185 | 3439 |
| 2017Q3 | $19.3M | $17.8M | $12.4M | $4.8k | 7.79% | 2,184 | 3452 |
| 2017Q2 | $19.0M | $17.5M | $11.6M | $1.6k | 7.89% | 2,190 | 3500 |
| 2017Q1 | $19.1M | $17.5M | $11.4M | $-1.8k | 7.86% | 2,201 | 3504 |
| 2016Q4 | $18.4M | $16.9M | $11.4M | $5.4k | 8.14% | 2,216 | 3525 |
| 2016Q3 | $19.0M | $17.5M | $11.0M | $3.8k | 7.87% | 2,220 | 3503 |
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