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KSW

Waterville, ME · Charter 9943

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

KSW

Waterville, ME · Charter 9943

NCUA · 2 branches

Q2 2026

$122.2MAssets
$93.1MLoans
$104.5MShares
$17.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.08%, down 4 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 1.02% of loans (+81 bps YoY).
  • Capital: net worth / assets of 14.59%, up 36 bps from a year ago.
  • Funding: loans stand at 89.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.08%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-39 bps YoY

Efficiency Ratio (YTD, annualized)

59.00%+87 bps YoY

Net Worth / Assets

14.59%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.11%2.16%2.02%2.01%2.08%-4 bps
Return on Equity14.83%14.78%13.88%14.10%14.23%-61 bps
Net Interest Margin4.56%4.59%4.45%4.19%4.17%-39 bps
Efficiency Ratio58.13%57.98%58.76%60.49%59.00%+87 bps
Growth
Asset Growth (YoY)7.32%14.21%15.94%14.55%12.92%+560 bps
Loan Growth (YoY)7.12%6.63%5.79%5.16%5.59%-154 bps
Share Growth (YoY)9.69%13.23%15.45%13.82%12.39%+270 bps
Asset Quality
Delinquent Loans / Loans0.21%0.79%0.67%0.34%1.02%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.24%14.64%14.55%14.23%14.59%+36 bps
Net Worth / Assets14.24%14.64%14.55%14.23%14.59%+36 bps
Liquidity & Funding
Loans / Shares94.81%94.46%91.32%87.35%89.07%-574 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

KSW

Waterville, ME · Charter 9943 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$122.2MAssets
$93.1MLoans
$104.5MShares
$17.8MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 96% of credit unions under $1B in assets (rank 66 of 1683).
  • Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1142 of 1682).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.08%

Rank 66 of 1,683

Net Interest Margin

4.17%

Rank 535 of 1,683

Efficiency Ratio

58.99%

Rank 174 of 1,682

Equity / Assets

14.59%

Rank 592 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.08%0.35%0.74%1.18%Beats 96%66 / 1,683
Return on Equity14.23%2.67%5.89%8.74%Beats 96%61 / 1,681
Net Interest Margin4.17%3.31%3.82%4.32%Beats 68%535 / 1,683
Efficiency Ratio58.99%68.91%78.20%86.93%Beats 90%174 / 1,682
Asset Quality
Nonperforming Loans / Loans1.02%0.26%0.65%1.29%Beats 32%1,142 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.59%10.44%12.89%16.53%Beats 65%592 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.59%10.44%12.89%16.53%Beats 65%592 / 1,683
Liquidity & Funding
Loans / Deposits89.07%52.61%69.38%83.50%85th pctl258 / 1,683
Loans / Assets76.20%44.71%59.18%70.72%86th pctl243 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution