TellerScore

Headquartered in Murray, Kentucky, Main Impact Federal Credit Union is a federal credit union with $23.3M in total assets and $20.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1978.

Based on its Q2 2026 filing, Main Impact Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Kentucky, it ranks 22nd. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (45/100; 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.47%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity91/100
Loans ÷ shares: 68.8% · 2.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the loan quality component improved by 12 points.

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202567
Q2 202569
Q3 202573
Q4 202574
Q1 202673
Q2 202674
Net worth ratio
7.00%8.73%10.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.84%
Q3 20249.70%
Q4 20249.85%
Q1 20259.74%
Q2 20259.87%
Q3 202510.18%
Q4 202510.24%
Q1 202610.06%
Q2 202610.47%
Delinquent loans (60+ days)
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.00%
Q4 20240.00%
Q1 20250.48%
Q2 20250.38%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.03%
Return on assets
0.52%0.73%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.84%
Q4 20240.77%
Q1 20250.52%
Q2 20250.62%
Q3 20250.63%
Q4 20250.68%
Q1 20260.65%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$23.3M10.47%0.03%0.63%68.8%
Q1 202673$23.9M10.06%0.00%0.65%67.1%
Q4 202574$23.1M10.24%0.00%0.68%69.3%
Q3 202573$22.7M10.18%0.00%0.63%71.3%
Q2 202569$23.1M9.87%0.38%0.62%67.3%
Q1 202567$23.0M9.74%0.48%0.52%64.8%
Q4 202474$22.4M9.85%0.00%0.77%68.1%
Q3 202474$22.4M9.70%0.00%0.84%66.4%
Q2 202474$21.7M9.84%0.08%0.93%66.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.47%
20th
Problem loans0.03%
85th
Net charge-offs0.16%
51st
Return on assets0.63%
49th
Loans to deposits68.8%
35th
Uninsured deposits2.1%
44th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
83rd

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
K I T Federal Credit UnionCredit union Louisville, KY76 out of 100, Strong$23.1M11.9%0.35%vs
Your Hometown Federal Credit UnionCredit union Mayfield, KY47 out of 100, Below average$25.6M9.3%1.75%vs
Arh Federal Credit UnionCredit union Middlesboro, KY79 out of 100, Strong$19.9M26.9%1.32%vs
Old Kentucky Home Federal Credit UnionCredit union Bardstown, KY70 out of 100, Strong$19.8M12.2%0.55%vs
Lexington Postal Community Credit UnionCredit union Lexington, KY68 out of 100, Moderate$27.2M9.5%0.22%vs
Labor Management Federal Credit UnionCredit union Lewisport, KY70 out of 100, Strong$28.4M14.8%1.88%vs

Deposit insurance

Is my money safe at Main Impact Federal Credit Union?

Yes. Main Impact Federal Credit Union is a federally insured credit union (NCUA charter #22978). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.1% of shares and deposits ($427K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.47%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Main Impact Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Main Impact Federal Credit Union
Type
Federal credit union
NCUA charter #
22978
RSSD ID
89386
Primary regulator
NCUA
Established
1978
Headquarters
1312 Main St, Murray, KY 42071
Employees
7

Quick answers

Main Impact Federal Credit Union: common questions

Is Main Impact Federal Credit Union NCUA insured?

Yes. Main Impact Federal Credit Union is a federally insured credit union (NCUA charter #22978). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Main Impact Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Main Impact Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Murray

InstitutionScoreAssetsCapitalProblem loansCompare
Signet Federal Credit UnionCredit union Paducah, KY82 out of 100, Strong$398.2M16.6%1.07%vs
Foundation BankBank Mc Kenzie, TN75 out of 100, Strong$217.9M14.7%2.39%vs
Bank of Cadiz and Trust CompanyBank Cadiz, KY74 out of 100, Strong$142.9M9.1%0.00%vs
First Kentucky Bank, Inc.Bank Mayfield, KY73 out of 100, Strong$585.6M9.3%0.25%vs
Community Financial Services BankBank Benton, KY70 out of 100, Strong$1.4B10.3%0.42%vs
Independence Bank of KentuckyBank Owensboro, KY69 out of 100, Moderate$3.8B9.4%0.12%vs