KSW
Federal • WATERVILLE, Maine • Est. 1954
Quick Facts
- Charter Number
- #9943
- Type
- Federal
- Established
- 1954
- Headquarters
- WATERVILLE, Maine 04901-6226
- Address
- 222 COLLEGE AVE
- Branches
- 2
- ATMs
- 3
- Members
- 9,509
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
9,509 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | KSW |
|---|---|
| Total Assets | $113.8M |
| Members | 9,509 |
| Loans Outstanding | $88.7M |
| Shares & Deposits | $97.2M |
| Net Worth | $16.6M |
| Net Worth Ratio | 14.55% |
| Loan-to-Share Ratio | 91.3% |
| Delinquency Rate | 0.67% |
| Net Income | +$2,712,935 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 3 ATMs
Main Office
Main Office222 College Ave
Waterville, ME 04901-6226
Belfast
135 Waldo Ave
Belfast, ME 04915-6909
Who Can Join KSW?
Membership Type: Community
Membership eligibility for KSW may vary. Contact the credit union directly to confirm qualification requirements.
Contact KSW directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Maine RankingsFrequently Asked Questions
Yes. KSW is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, KSW has 9,509 members and a potential membership field of 192,892 people.
KSW's net worth ratio is 14.55% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.6%, KSW meets this threshold.
KSW operates 2 branch locations and has access to 3 ATMs. The main office is located at 222 College Ave, Waterville, ME 04901-6226.
KSW was established in 1954. It is a federal credit union chartered under charter number 9943. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or KSW. All financial data is for informational purposes only.