K V
Charter #15328 · Augusta, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.24% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.99% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.05% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 52nd — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | K V | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $138.36M | 25th pct | 34th pct |
| Members | 10,948 | 37th pct | 52th pct |
| Net worth ratio | 12.23% | 60th pct | 67th pct |
| Return on average assets | 1.24% | 80th pct | 77th pct |
| Net interest margin | 3.99% | 71th pct | 79th pct |
| Cost of funds | 1.08% | 43th pct | 38th pct |
| Loan-to-share | 66.24% | 38th pct | 43th pct |
| Delinquency 60+ days | 0.07% | 4th pct | 3th pct |
| Net charge-off ratio | 0.29% | 42th pct | 46th pct |
| Loan growth YoY | 1.27% | 59th pct | 56th pct |
| Share growth YoY | 6.42% | 83th pct | 82th pct |
| Efficiency ratio | 69.05% | 23th pct | 25th pct |
structural peer set hash: 04eefc2534b328677bf351ca66c3ee2c… (reproducible)
Closest structural peers
This is the free public view
Claim K V
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.