MAIN IMPACT Credit Union Profile

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MAIN IMPACT

Charter #22978 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (270) 873-4837

Fax: (270) 753-6301

Founding Date: N/A

Website: https://www.mainimpactfcu.org

Personnel & Operations

President: Guin, Larry

Manager: Starks, Lydia

FT Employees: 4

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: Monday-Thursday 8:30 to 4:00 / Friday 8:30-

Credit Union Profile Summary

MAIN IMPACT is a FCU Credit Union. With a total of 2,009 members [1], this institution manages approximately $23,074,786 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.87% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.22% [1].

Financial Snapshot

Total Assets [1]
$23,074,786

Total economic resources.

Total Loans [1]
$13,967,894

Total value of outstanding loans.

Total Deposits [1]
$20,740,859

Total funds deposited by members.

Members [1]
2,009

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.87%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.63%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
67.34%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.35%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 8.22%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.20%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1312 MAIN ST

Murray, KY, 42071-1823
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by MAIN IMPACT (Charter #22978).

Main Office

MSU Federal Credit Union Main Office

Type: Corporate Office

202 General Services Building

Murray State University

Murray, KY 42071-3368

Phone: (270) 809-6666

Services: Member Services

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