Federal credit union · Augusta, Maine · NCUA charter #15328
K V
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $134.4M
- Total assets
- 10,937
- Members
- 12.2%
- Net-worth ratio
K V scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $134.4M; members 10,937; net-worth ratio 12.23%; health rank #630 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#630 of 4,374 health · 2025Q4K V · health 93/100 · $134.4M · 2025Q4
Call Report peers
K V in the assets neighbourhood
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K V vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); K V sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where K V diverges from peer averages
- Delinquency Rate leads the peer set - 0.16% here, 0.89% peer average (-0.74 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.97 pp (68.23% vs 72.20%).
Maine standing for K V
- Health composite ranks #8 of 48 among scored Maine credit unions.
- By total assets, K V is #31 of 48 in Maine.
- Membership ranks #27 of 48 among Maine CUs with a reported count (10,937 members).
- One place up in Maine, Winthrop Area (#7) scores 94/100, 1 point higher; one place down, CASCO (#9) ties at 93/100.
How K V's 5300 filing moved
K V: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $134.4M (2025Q4) to $138.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (12.28% → 12.23%).
This credit union's 12.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
K V gives up 7 points in total. Member Growth costs the most, 6.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.7 pts
K V health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.23% | +0.12 pp |
| Delinquency Rate | 0.16% | -0.74 pp |
| Return on Assets | 1.22% | +0.60 pp |
| Member Growth | -0.36% | - |
| Loan-to-Share Ratio | 68.23% | -3.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $138.4M | - |
| 2025Q4 | $134.4M | 10,937 |
| 2024Q4 | $124.8M | 10,977 |
| 2023Q4 | $119.8M | 11,000 |
Credit Union Details
- Charter Number
- 15328
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- Augusta
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for K V, spread across 3 cities.
| Office | City |
|---|---|
| Main Office Branch (Main Office) | Augusta, ME |
| Oakland Branch | Oakland, ME |
| Waterville Branch | Waterville, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
K V nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- K V ranks #630 of 4,374 nationally on financial health and #8 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTED
Frequently Asked Questions
Is K V financially healthy?
K V has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #630 of 4,374 nationally on health and #8 of 48 in Maine. Its net worth ratio is 12.23% and its delinquency rate 0.16%.
How does K V compare to other credit unions?
K V scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.16% vs 0.89%). Its widest shortfall is loan-to-share ratio (68.23% vs 72.20%).
How can I join K V?
K V operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact K V directly for the exact boundaries and application steps.
Is my money safe at K V?
K V is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. K V's net worth ratio of 12.23% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.