Main Impact
Main Impact is a credit union based in Murray, Kentucky, established in 1978, with $24 million in total assets serving 2,002 members. By Trust Grade it ranks 39th of 52 credit unions we track in Kentucky. Its net worth ratio of 10.1% trails most similarly sized credit unions (18th percentile), versus a Kentucky median of 12.8%. It was profitable over the most recent period, with a 0.65% return on assets. No consumer complaints against Main Impact appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Main Impact compares to Kentucky peers
How we graded Main Impact
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.1% capital ratio)
- Profitable (ROA 0.65%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Main Impact over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Main Impact insured?
Yes. Main Impact is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Main Impact: frequently asked questions
Is Main Impact a good credit union?
Main Impact earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (10.1% capital ratio); Profitable (ROA 0.65%).
Is Main Impact NCUA-insured?
Yes. Main Impact is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Main Impact?
Main Impact holds $24 million in total assets, ranking 39th of 52 credit unions we track in Kentucky. It serves 2,002 members.
Does Main Impact have CFPB complaints?
No CFPB complaints against Main Impact appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
