TellerScore

Headquartered in Augusta, Maine, K V Federal Credit Union is a federal credit union with $139.6M in total assets and $121.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1962.

K V Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 8th. Problem-loan coverage contributes the most (98/100, 1.1%); earnings contributes the least (68/100, 1.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.42%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity93/100
Loans ÷ shares: 67.4% · 5.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).

TellerScore
798284Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202480
Q4 202480
Q1 202581
Q2 202583
Q3 202584
Q4 202584
Q1 202684
Q2 202684
Net worth ratio
7.00%9.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.33%
Q3 202411.66%
Q4 202411.79%
Q1 202511.75%
Q2 202512.01%
Q3 202512.33%
Q4 202512.28%
Q1 202612.23%
Q2 202612.42%
Delinquent loans (60+ days)
0.07%0.21%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.25%
Q4 20240.34%
Q1 20250.22%
Q2 20250.08%
Q3 20250.17%
Q4 20250.16%
Q1 20260.07%
Q2 20260.13%
Return on assets
1.20%1.29%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.24%
Q3 20241.31%
Q4 20241.32%
Q1 20251.20%
Q2 20251.28%
Q3 20251.38%
Q4 20251.33%
Q1 20261.22%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$139.6M12.42%0.13%1.20%67.4%
Q1 202684$138.4M12.23%0.07%1.22%66.2%
Q4 202584$134.4M12.28%0.16%1.33%68.2%
Q3 202584$130.3M12.33%0.17%1.38%69.6%
Q2 202583$129.5M12.01%0.08%1.28%69.1%
Q1 202581$128.6M11.75%0.22%1.20%68.2%
Q4 202480$124.8M11.79%0.34%1.32%70.3%
Q3 202480$122.5M11.66%0.25%1.31%71.8%
Q2 202479$122.0M11.33%0.22%1.24%70.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.42%
63rd
Problem loans0.13%
93rd
Net charge-offs0.23%
66th
Return on assets1.20%
78th
Loans to deposits67.4%
67th
Uninsured deposits5.1%
58th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Connected Credit UnionCredit union Augusta, ME72 out of 100, Strong$133.9M11.1%0.47%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs
Trademark Federal Credit UnionCredit union Augusta, ME56 out of 100, Moderate$131.6M10.2%2.06%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs
Casco Federal Credit UnionCredit union Gorham, ME63 out of 100, Moderate$121.3M9.7%1.09%vs

Deposit insurance

Is my money safe at K V Federal Credit Union?

Yes. K V Federal Credit Union is a federally insured credit union (NCUA charter #15328). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($6.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

K V Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
K V Federal Credit Union
Type
Federal credit union
NCUA charter #
15328
RSSD ID
149280
Primary regulator
NCUA
Established
1962
Headquarters
316 W River RD, Augusta, ME 04330
Employees
22

Quick answers

K V Federal Credit Union: common questions

Is K V Federal Credit Union NCUA insured?

Yes. K V Federal Credit Union is a federally insured credit union (NCUA charter #15328). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is K V Federal Credit Union's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does K V Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Augusta

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs
Northeast BankBank Portland, ME78 out of 100, Strong$5.2B11.9%0.55%vs