Credit union · NCUA insured
MainImpact Federal Credit Union
A $23.9M credit union headquartered in Murray, KY, with 2,002 members and 1 branch in Kentucky.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MainImpact Federal Credit Union
Originally chartered in February 1978 to serve the faculty and staff of Murray State University, Main Impact Federal Credit Union is based in Murray, Kentucky.
Renamed from MSU Federal Credit Union in 2023, the locally owned institution converted to a community charter serving Calloway County.
- Headquarters
- 1312 Main St, Murray, KY 42071-1823
- NCUA charter
- 22978
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all who live, work, worship, or attend school in Calloway County.
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Main Impact Federal Credit UnionMain office1312 Main St, Murray, KY 42071Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.47% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.63% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio10.47%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.63%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MainImpact Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.