| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.1% | +3.7 pts |
| Share growth (YoY) | +7.4% | +3.5% | +3.8 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.8 pts |
| ROA | 1.20% | 0.74% | +0.5 pts |
| ROE | 9.7% | 6.5% | +3.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.6M | $121.9M | $82.1M | $17.3M | $840K | 1.20% | 3.94% | 0.13% | 10,986 |
| Q1 2026 | $138.4M | $121.1M | $80.2M | $16.9M | $422K | 1.22% | 3.94% | 0.07% | 10,948 |
| Q4 2025 | $134.4M | $117.4M | $80.1M | $16.5M | $1.8M | 1.33% | 4.01% | 0.16% | 10,937 |
| Q3 2025 | $130.3M | $113.8M | $79.2M | $16.1M | $1.4M | 1.38% | 4.09% | 0.17% | 10,952 |
| Q2 2025 | $129.5M | $113.5M | $78.5M | $15.5M | $828K | 1.28% | 4.02% | 0.08% | 10,981 |
| Q1 2025 | $128.6M | $113.1M | $77.1M | $15.1M | $384K | 1.20% | 3.90% | 0.22% | 10,968 |
| Q4 2024 | $124.8M | $109.7M | $77.1M | $14.7M | $1.6M | 1.32% | 3.86% | 0.34% | 10,977 |
| Q3 2024 | $122.5M | $107.6M | $77.3M | $14.3M | $1.2M | 1.31% | 3.89% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.74% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.5% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 11,010 |
| Q2 2024 | $122.0M | $107.7M | $75.8M | $13.8M | $760K | 1.24% | 3.80% | 0.22% | 11,022 |
Loan mix (Q2 2026): real estate $38.3M · commercial $0 · consumer $39.0M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 77.5% | 29th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kennebec, ME, ranked 9th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kennebec, ME | 3 | $121.9M* | 2.75% | 9th |
Maine: 56th with 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3