K V

Charter #15328 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

K V has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.7% in tier
  • + Wallet Share Momentum: Top 17.6% in tier
  • + Relationship Depth Leader: Top 26.2% in tier
  • + ROA 0.60% above tier average
  • + Net Interest Margin 0.52% above tier average
  • + Members Per Employee (MPE): Top 5.8% in tier
  • + Total Delinquency Rate (60+ days): Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 19.0% in tier
  • - Stagnation Risk: Bottom 24.2% in tier
  • - Liquidity Overhang: Bottom 26.7% in tier
  • - Membership Headwinds: Bottom 33.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 10,952
-0.5% YoY-0.3% QoQ
 -4.7K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 35th in tier
Assets $130.3M
+6.4% YoY+0.7% QoQ
 $-101.0M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 20.5% in tier
Loans $79.2M
+2.6% YoY+1.0% QoQ
 $-68.6M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Bottom 21.5% in tier
Deposits $113.8M
+5.7% YoY+0.3% QoQ
 $-86.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 20.2% in tier
ROA 1.4%
+5.7% YoY+8.2% QoQ
 +0.6% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 14.9% in tier
NIM 4.1%
+5.3% YoY+1.6% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Top 21.5% in tier
Efficiency Ratio 69.4%
-3.4% YoY-1.4% QoQ
 -7.8% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 24.2% in tier
Delinquency Rate 0.2%
-34.9% YoY+114.4% QoQ
 -0.7 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 Bottom 8.4% in tier
Loan To Share 69.6%
-3.0% YoY+0.7% QoQ
 -3.1% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $17,628
+5.0% YoY+0.8% QoQ
 $-7K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Bottom 20.6% in tier
CD Concentration 13.0%
+25.6% YoY+3.2% QoQ
 -11.4% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.5%
-4.1% YoY-0.6% QoQ
 +4.6% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#202 of 627 • Top 10.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#486 of 1006 • Top 17.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.96%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#723 of 1006 • Top 26.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.96%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#306 of 525 • Bottom 19.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.44%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.53%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#399 of 550 • Bottom 24.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $17.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 13.05%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#414 of 552 • Bottom 26.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.33%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 69.61%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Membership Headwinds

decline
#547 of 550 • Bottom 33.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

64
Members Per Employee (MPE)
engagement
Value: 497.818
Peer Avg: 332.881
#64 of 1077 Top 5.8% in 100M-500M tier
91
Total Delinquency Rate (60+ days)
risk
Value: 0.17%
Peer Avg: 0.86%
#91 of 1077 Top 8.4% in 100M-500M tier
161
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Avg: 0.79%
#161 of 1077 Top 14.9% in 100M-500M tier
185
Share Certificate Concentration (%)
balance_sheet
Value: 13.05%
Peer Avg: 23.61%
#185 of 1077 Top 17.1% in 100M-500M tier
232
Net Interest Margin (NIM)
profitability
Value: 4.10%
Peer Avg: 3.58%
#232 of 1077 Top 21.4% in 100M-500M tier
262
Efficiency Ratio
profitability
Value: 69.44%
Peer Avg: 77.28%
#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (4 metrics)

859
Total Deposits
balance_sheet
Value: $113.83M
Peer Avg: $200.29M
#859 of 1077 Bottom 20.3% in 100M-500M tier
856
Total Assets
balance_sheet
Value: $130.35M
Peer Avg: $231.30M
#856 of 1077 Bottom 20.6% in 100M-500M tier
855
Average Member Relationship (AMR)
engagement
Value: $17,628
Peer Avg: $24,363
#855 of 1077 Bottom 20.7% in 100M-500M tier
845
Total Loans
balance_sheet
Value: $79.23M
Peer Avg: $147.80M
#845 of 1077 Bottom 21.6% in 100M-500M tier