KSW
Charter #9943 · WATERVILLE, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.23% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.06% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.34% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.49% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | KSW | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $120.58M | 14th pct | 21th pct |
| Members | 9,553 | 30th pct | 31th pct |
| Net worth ratio | 14.23% | 81th pct | 79th pct |
| Return on average assets | 2.06% | 97th pct | 93th pct |
| Net interest margin | 4.31% | 85th pct | 62th pct |
| Cost of funds | 1.39% | 62th pct | 46th pct |
| Loan-to-share | 87.35% | 85th pct | 72th pct |
| Delinquency 60+ days | 0.34% | 25th pct | 21th pct |
| Net charge-off ratio | 0.21% | 33th pct | 21th pct |
| Loan growth YoY | 1.96% | 66th pct | 51th pct |
| Share growth YoY | 10.27% | 97th pct | 90th pct |
| Efficiency ratio | 60.49% | 9th pct | 13th pct |
structural peer set hash: 88f9fad841ab7b91aa822859d612d1d5… (reproducible)
Closest structural peers
This is the free public view
Claim KSW
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.