TellerScore

Headquartered in Waterville, Maine, Ksw Federal Credit Union is a federal credit union with $122.2M in total assets and $104.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Ksw Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 6th. Earnings contributes the most (100/100, 2.08%); loan quality contributes the least (66/100, 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.59%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings100/100
Return on assets (annualized): 2.08%
Funding & liquidity71/100
Loans ÷ shares: 89.1% · 8.9% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.34%

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

From Q2 2025 to Q2 2026, the score fell 5 points (90 → 85), mostly because the loan quality component weakened by 27 points.

TellerScore
768390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202482
Q4 202490
Q1 202587
Q2 202590
Q3 202586
Q4 202588
Q1 202690
Q2 202685
Net worth ratio
7.00%10.82%14.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.04%
Q3 202414.33%
Q4 202414.53%
Q1 202514.01%
Q2 202514.24%
Q3 202514.64%
Q4 202514.55%
Q1 202614.23%
Q2 202614.59%
Delinquent loans (60+ days)
0.21%0.72%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20241.05%
Q4 20240.23%
Q1 20250.32%
Q2 20250.21%
Q3 20250.79%
Q4 20250.67%
Q1 20260.34%
Q2 20261.02%
Return on assets
1.84%2.00%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.86%
Q3 20242.14%
Q4 20242.09%
Q1 20251.84%
Q2 20252.11%
Q3 20252.16%
Q4 20252.02%
Q1 20262.01%
Q2 20262.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$122.2M14.59%1.02%2.08%89.1%
Q1 202690$120.6M14.23%0.34%2.01%87.3%
Q4 202588$113.8M14.55%0.67%2.02%91.3%
Q3 202586$109.6M14.64%0.79%2.16%94.5%
Q2 202590$108.2M14.24%0.21%2.11%94.8%
Q1 202587$105.3M14.01%0.32%1.84%94.5%
Q4 202490$98.2M14.53%0.23%2.09%99.7%
Q3 202482$95.9M14.33%1.05%2.14%100.3%
Q2 202476$100.8M13.04%1.23%1.86%97.1%

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 ratio14.59%
83rd
Problem loans1.02%
29th
Net charge-offs0.17%
75th
Return on assets2.08%
98th
Loans to deposits89.1%
19th
Uninsured deposits8.9%
23rd
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Casco Federal Credit UnionCredit union Gorham, ME63 out of 100, Moderate$121.3M9.7%1.09%vs
Community Credit UnionCredit union Lewiston, ME51 out of 100, Below average$120.2M10.5%1.86%vs
Brewer Federal Credit UnionCredit union Brewer, ME73 out of 100, Strong$117.8M10.3%0.08%vs
Trademark Federal Credit UnionCredit union Augusta, ME56 out of 100, Moderate$131.6M10.2%2.06%vs
Katahdin Federal Credit UnionCredit union Millinocket, ME81 out of 100, Strong$110.9M16.8%1.02%vs
Connected Credit UnionCredit union Augusta, ME72 out of 100, Strong$133.9M11.1%0.47%vs

Deposit insurance

Is my money safe at Ksw Federal Credit Union?

Yes. Ksw Federal Credit Union is a federally insured credit union (NCUA charter #9943). 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 8.9% of shares and deposits ($9.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Ksw Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ksw Federal Credit Union
Type
Federal credit union
NCUA charter #
9943
RSSD ID
97381
Primary regulator
NCUA
Established
1954
Headquarters
222 College Ave, Waterville, ME 04901
Employees
21

Quick answers

Ksw Federal Credit Union: common questions

Is Ksw Federal Credit Union NCUA insured?

Yes. Ksw Federal Credit Union is a federally insured credit union (NCUA charter #9943). 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 Ksw Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Ksw Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waterville

InstitutionScoreAssetsCapitalProblem loansCompare
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
K V Federal Credit UnionCredit union Augusta, ME84 out of 100, Strong$139.6M12.4%0.13%vs
Sebasticook Valley Federal Credit UnionCredit union Pittsfield, ME84 out of 100, Strong$186.2M15.4%0.92%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs
Kennebec Savings BankBank Augusta, ME79 out of 100, Strong$1.9B14.0%0.46%vs