MAIN IMPACT
Federal • Murray, Kentucky • Est. 1978
Quick Facts
- Charter Number
- #22978
- Type
- Federal
- Established
- 1978
- Headquarters
- Murray, Kentucky 42071-1823
- Address
- 1312 Main St
- Branches
- 2
- Members
- 2,001
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
2,001 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MAIN IMPACT |
|---|---|
| Total Assets | $23.1M |
| Members | 2,001 |
| Loans Outstanding | $14.3M |
| Shares & Deposits | $20.6M |
| Net Worth | $2.4M |
| Net Worth Ratio | 10.24% |
| Loan-to-Share Ratio | 69.3% |
| Delinquency Rate | 0.00% |
| Net Income | +$165,902 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Regions Bank
515 N 12th St
Murray, KY 42071-1652
Main Impact Federal Credit Union
Main Office1312 MAIN ST
Murray, KY 42071-1823
Who Can Join MAIN IMPACT?
Membership Type: Community
Membership eligibility for MAIN IMPACT may vary. Contact the credit union directly to confirm qualification requirements.
Contact MAIN IMPACT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Kentucky RankingsFrequently Asked Questions
Yes. MAIN IMPACT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MAIN IMPACT has 2,001 members and a potential membership field of 37,345 people.
MAIN IMPACT's net worth ratio is 10.24% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, MAIN IMPACT meets this threshold.
MAIN IMPACT operates 2 branch locations. The main office is located at 1312 MAIN ST, Murray, KY 42071-1823.
MAIN IMPACT was established in 1978. It is a federal credit union chartered under charter number 22978. The institution has been serving members for 48 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MAIN IMPACT. All financial data is for informational purposes only.