MSD Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 6.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 14.9. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.6 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (62%), securities (10%), other (28%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
700 West Liberty Street
Louisville, KY 40203
Louisville, KY 40203
Phone Number
(502) 540-6213
NCUA Charter Number
Largest Competitors
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY