KSW

Charter #9943 | ME

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

KSW has 11 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.4% in tier
  • + Emerging Performer: Top 6.3% in tier
  • + Relationship Depth Leader: Top 19.4% in tier
  • + ROA 1.39% above tier average
  • + Net Interest Margin 1.04% above tier average
  • + Asset Growth Rate: Top 3.9% in tier
  • + Deposit Growth Rate: Top 5.2% in tier
  • + Efficiency Ratio: Top 6.4% in tier
  • + Members Per Employee (MPE): Top 7.3% in tier
  • + Loan-to-Share Ratio: Top 8.1% in tier
  • + AMR Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.2% in tier
  • - Liquidity Strain: Bottom 15.2% in tier
  • - Liquidity Overhang: Bottom 26.5% in tier
  • - Total Deposits: Bottom 5.7% in tier
  • - Total Assets: Bottom 6.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 9,579
-0.2% YoY-0.3% QoQ
 -6.0K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $109.6M
+14.2% YoY+1.3% QoQ
 $-121.7M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 Bottom 6.7% in tier
Loans $88.5M
+6.6% YoY+0.4% QoQ
 $-59.3M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $93.7M
+13.2% YoY+0.8% QoQ
 $-106.6M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 Bottom 5.6% in tier
ROA 2.2%
+4.4% YoY+1.7% QoQ
 +1.4% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 Top 2.0% in tier
NIM 4.6%
+2.4% YoY+0.1% QoQ
 +1.0% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Top 7.1% in tier
Efficiency Ratio 58.0%
-2.0% YoY-0.3% QoQ
 -19.3% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 Bottom 6.4% in tier
Delinquency Rate 0.8%
-24.9% YoY+271.9% QoQ
 -0.1 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 94.5%
-5.8% YoY-0.4% QoQ
 +21.8% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 8.2% in tier
AMR $19,023
+10.1% YoY+0.8% QoQ
 $-5K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 21.7%
+18.8% YoY+1.5% QoQ
 -2.7% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 35.5%
+5.6% YoY+0.7% QoQ
 +21.5% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#122 of 1006 • Top 4.4% in tier

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

Why This Signature
AMR Growth (YoY): 10.13%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#120 of 627 • Top 6.3% in tier

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

Why This Signature
Return on Assets: 2.18%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.19%
(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 | New qualifier

Relationship Depth Leader

growth
#535 of 1006 • Top 19.4% in tier

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

Why This Signature
AMR Growth (YoY): 10.13%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(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 | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#20 of 525 • Bottom 1.2% in tier

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

Why This Signature
Asset Growth (YoY): 14.21%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 35.48%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.19%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Strain

risk
#119 of 258 • Bottom 15.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.63%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk
#410 of 552 • Bottom 26.5% 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: 14.64%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 94.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 (9 metrics)

22
Return on Assets (ROA)
profitability
Value: 2.18%
Peer Avg: 0.79%
#22 of 1077 Top 1.9% in 100M-500M tier
43
Asset Growth Rate
growth
Value: 14.21%
Peer Avg: 4.70%
#43 of 1077 Top 3.9% in 100M-500M tier
57
Deposit Growth Rate
growth
Value: 13.23%
Peer Avg: 4.69%
#57 of 1077 Top 5.2% in 100M-500M tier
70
Efficiency Ratio
profitability
Value: 57.98%
Peer Avg: 77.28%
#70 of 1077 Top 6.4% in 100M-500M tier
77
Net Interest Margin (NIM)
profitability
Value: 4.62%
Peer Avg: 3.58%
#77 of 1077 Top 7.1% in 100M-500M tier
80
Members Per Employee (MPE)
engagement
Value: 478.950
Peer Avg: 332.881
#80 of 1077 Top 7.3% in 100M-500M tier
88
Loan-to-Share Ratio
balance_sheet
Value: 94.46%
Peer Avg: 72.70%
#88 of 1077 Top 8.1% in 100M-500M tier
97
AMR Growth Rate
growth
Value: 10.13%
Peer Avg: 3.64%
#97 of 1077 Top 8.9% in 100M-500M tier
185
Net Worth Ratio
risk
Value: 14.64%
Peer Avg: 12.15%
#185 of 1077 Top 17.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1017
Total Deposits
balance_sheet
Value: $93.70M
Peer Avg: $200.29M
#1017 of 1077 Bottom 5.7% in 100M-500M tier
1005
Total Assets
balance_sheet
Value: $109.55M
Peer Avg: $231.30M
#1005 of 1077 Bottom 6.8% in 100M-500M tier
953
Indirect Auto Concentration (%)
balance_sheet
Value: 35.48%
Peer Avg: 13.34%
#953 of 1077 Bottom 11.6% in 100M-500M tier