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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.08% | 0.35% | 0.74% | 1.18% | Beats 96% | 66 / 1,683 | |
| Return on Equity | 14.23% | 2.67% | 5.89% | 8.74% | Beats 96% | 61 / 1,681 | |
| Net Interest Margin | 4.17% | 3.31% | 3.82% | 4.32% | Beats 68% | 535 / 1,683 | |
| Efficiency Ratio | 58.99% | 68.91% | 78.20% | 86.93% | Beats 90% | 174 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,142 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.59% | 10.44% | 12.89% | 16.53% | Beats 65% | 592 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.59% | 10.44% | 12.89% | 16.53% | Beats 65% | 592 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 89.07% | 52.61% | 69.38% | 83.50% | 85th pctl | 258 / 1,683 | |
| Loans / Assets | 76.20% | 44.71% | 59.18% | 70.72% | 86th pctl | 243 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |