Federal credit union · WATERVILLE, Maine · NCUA charter #9943
KSW
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $113.8M
- Total assets
- 9,509
- Members
- 14.2%
- Net-worth ratio
KSW scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $113.8M; members 9,509; net-worth ratio 14.23%; health rank #915 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#915 of 4,374 health · 2025Q4KSW · health 91/100 · $113.8M · 2025Q4
Call Report peers
KSW in the assets neighbourhood
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KSW vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KSW sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KSW: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 91.32% here, 72.20% peer average (+19.12 pp).
Maine standing for KSW
- In Maine, health place is #16 of 48 on the same NCUA-ratio sort used nationally.
- Maine assets place: #37 of 48.
- Maine membership ordinal: #30 of 48.
- One place up in Maine, Capital Area (#15) ties at 91/100; one place down, MIDCOAST (#17) ties at 91/100.
KSW Call Report trajectory
KSW: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $113.8M (2025Q4) to $120.6M (2026Q1).
- Net-worth ratio shifted -0.32 pp (14.55% → 14.23%).
At 14.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
KSW gives up 9 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.23% | +2.12 pp |
| Delinquency Rate | 0.67% | -0.23 pp |
| Return on Assets | 1.80% | +1.18 pp |
| Member Growth | -0.16% | - |
| Loan-to-Share Ratio | 91.32% | +19.12 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
KSW quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $120.6M | - |
| 2025Q4 | $113.8M | 9,509 |
| 2024Q4 | $98.2M | 9,524 |
| 2023Q4 | $96.8M | 9,683 |
Credit Union Details
- Charter Number
- 9943
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- WATERVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for KSW, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Waterville, ME |
| Belfast | Belfast, 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.
Nationwide credit unions with similar profiles
Using this data
- KSW ranks #915 of 4,374 nationally on financial health and #16 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BREWER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BREWER
Frequently Asked Questions
Is KSW financially healthy?
On its 2025Q4 NCUA 5300 filing, KSW scores 91/100 (Excellent), with a 14.23% net worth ratio and 0.67% of loans delinquent. It ranks #915 of 4,374 nationally on health and #16 of 48 in Maine.
How does KSW compare to other credit unions?
KSW scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.32% vs 72.20%).
How can I join KSW?
KSW 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 KSW directly for the exact boundaries and application steps.
Is my money safe at KSW?
KSW 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. KSW's net worth ratio of 14.23% 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.