Sep, 30, 2025 — MSU FEDERAL CREDIT UNION is a federal credit union headquartered in MURRAY, KY with 1 branch location and about $22.74 million in total assets. Opened 48 years ago in 1978, MSU FEDERAL CREDIT UNION has about 1,999 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | MSU FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1312 MAIN ST MURRAY, KY 42071-1823 |
| Phone: | (270) 873-4837 |
| Fax: | (270) 753-6301 |
| Website: | https://murraystatecreditunion.com/ |
| Branches: | 1 branch locations |
| Members: | 1,999 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 22978 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1978 |
| Last Audited: | Apr 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $22,736,752 |
| CEO/Manager: | Lydia Starks |
| Chairperson: | Larry Guin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,298,848 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,313,194 |
| Unsecured Loans | 205,678 |
| Other Loans | 7,457,373 |
| TOTAL LOANS | 14,399,592 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -45,085 |
| Land And Building | 2,072,975 |
| Other Fixed Assets | 38,378 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 196,561 |
| All Other Assets | 0 |
| TOTAL ASSETS | 22,736,752 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 10 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 212,675 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,053,479 |
| Regular shares | 12,559,945 |
| All Other Shares & Deposits | 2,595,758 |
| TOTAL SHARES & DEPOSITS | 20,209,182 |
| TOTAL LIABILITIES | 20,421,867 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,314,885 |
| TOTAL EQUITY | 2,314,885 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 22,736,752 |
| INCOME & EXPENSE | |
| Loan Income | 586,877 |
| Investment Income | 124,300 |
| Other Income | 32,495 |
| Total Employee Compensation & Benefits | 227,346 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 341,635 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 4,000 |
| Cost of Funds | 62,698 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 107,993 |
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