Ksw

WATERVILLE, ME · 1 · Charter #9943 · www.kswfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$113.8M
54th percentile
Members
9,509
65th percentile
Total loans
$88.7M
70th percentile
Total shares
$97.2M
54th percentile

Profitability

Return on assets
2.38%
97th percentile
Net interest margin
4.45%
87th percentile
Efficiency ratio
49.75%
83th percentile
Non-interest income ratio
19.45%
61th percentile

Capital & Risk

Net worth ratio
14.55%
74th percentile
Delinquency rate
0.67%
53th percentile
Net charge-off rate
0.37%
46th percentile
Loan-to-share
91.32%
89th percentile

Growth

Member growth YoY
-0.16%
56th percentile
Asset growth YoY
15.94%
96th percentile
Loan growth YoY
5.79%
74th percentile
Share growth YoY
15.45%
96th percentile

Operations

Members / branch
4,755
80th percentile
Assets / member
$11,969
28th percentile
Field of membership penetration
4.93%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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