| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.1% | +8.8 pts |
| Share growth (YoY) | +12.4% | +3.5% | +8.8 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 2.08% | 0.74% | +1.3 pts |
| ROE | 14.2% | 6.5% | +7.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.2M | $104.5M | $93.1M | $17.8M | $1.3M | 2.08% | 4.17% | 1.02% | 9,638 |
| Q1 2026 | $120.6M | $103.3M | $90.3M | $17.2M | $605K | 2.01% | 4.19% | 0.34% | 9,553 |
| Q4 2025 | $113.8M | $97.2M | $88.7M | $16.6M | $2.3M | 2.02% | 4.45% | 0.67% | 9,509 |
| Q3 2025 | $109.6M | $93.7M | $88.5M | $16.0M | $1.8M | 2.16% | 4.59% | 0.79% | 9,579 |
| Q2 2025 | $108.2M | $93.0M | $88.2M | $15.4M | $1.1M | 2.11% | 4.56% | 0.21% | 9,604 |
| Q1 2025 | $105.3M | $90.8M | $85.8M | $14.7M | $483K | 1.84% | 4.57% | 0.32% | 9,540 |
| Q4 2024 | $98.2M | $84.2M | $83.9M | $14.3M | $2.0M | 2.09% | 4.60% | 0.23% | 9,524 |
| Q3 2024 | $95.9M | $82.8M | $83.0M | $13.7M | $1.5M | 2.14% | 4.63% |
| Ratio | Ksw Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 0.74% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 6.5% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 9,597 |
| Q2 2024 | $100.8M | $84.8M | $82.3M | $13.2M | $939K | 1.86% | 4.33% | 1.23% | 9,648 |
Loan mix (Q2 2026): real estate $28.9M · commercial $0 · consumer $58.4M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 77.5% | 7th |
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 | Ksw 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 | Ksw 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 | Ksw 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 | Ksw 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 | Ksw 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.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Kennebec, ME, ranked 17th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kennebec, ME | 1 | $52.3M* | 1.18% | 17th |
| Waldo, ME | 1 | $52.3M* | 7.53% | 4th |
Maine: 63rd with 0.18% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2