Your CPU is a huge bottleneck until you get it to about 2.8ghz. After that, its the GT430. It is doing about all it is going to do once your CPU clock hits 2.8~3.0ghz. It's a value minded card, performs on par with a 5670.
Nothing really wrong with your memory. Your memory is not the fastest of the fast, but memory really makes little difference in actual use.http://www.tomshardware.com/reviews/geforce-gt-430-gf108-fermi,2766-4.html