Credit union · NCUA insured
KSW Federal Credit Union
A $120.6M credit union headquartered in Waterville, ME, with 9,553 members and 2 branches in Maine. Best rates: CDs 3.82% and savings 2.02% APY.
KSW Federal Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#7 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KSW Federal Credit Union
- Headquarters
- 222 College Ave, Waterville, ME 04901-6226
- NCUA charter
- 9943
Branches
2 branches in Maine
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Maine
2 branches
Augusta area · 1
- Main OfficeMain office222 College Ave, Waterville, ME 04901Directions
Belfast area · 1
- Belfast135 Waldo Ave, Belfast, ME 04915Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.02% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.15% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio14.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.02%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.15%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KSW Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.