KSW Credit Union Profile

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KSW

Charter #9943 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (207) 872-5039

Fax: (207) 872-5776

Founding Date: N/A

Website: https://www.kswfcu.org

Personnel & Operations

President: Picchiotti, John

Manager: Gilman, Deseree

FT Employees: 20

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 2

Hours: MONDAY THRU FRIDAY 8:00 AM - 5:00 PM

Credit Union Profile Summary

KSW is a FCU Credit Union. With a total of 9,604 members [1], this institution manages approximately $108,188,922 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 14.24% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.12% [1].

Financial Snapshot

Total Assets [1]
$108,188,922

Total economic resources.

Total Loans [1]
$88,165,524

Total value of outstanding loans.

Total Deposits [1]
$92,994,028

Total funds deposited by members.

Members [1]
9,604

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.24%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.21%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
94.81%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.32%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 7.12%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.46%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

222 COLLEGE AVE

WATERVILLE, ME, 04901-6226
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by KSW (Charter #9943).

Main Office

Main Office Main Office

Type: Corporate Office

222 College Ave

Waterville, ME 04901-6226

Phone: (207) 872-5039

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Belfast

Belfast

Type: Branch Office

135 Waldo Ave

Belfast, ME 04915-6909

Phone: (207) 338-5160

Services: Member Services, ATM, Drive-Thru

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