PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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