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National Credit Union Service Organization

KSW FEDERAL CREDIT UNION

Mar, 31, 2021 — KSW FEDERAL CREDIT UNION is a federal credit union headquartered in WATERVILLE, ME with 2 branch locations and about $93.36 million in total assets. Opened 67 years ago in 1954, KSW FEDERAL CREDIT UNION has about 9,818 members and employs 19 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 211288844
Name:KSW FEDERAL CREDIT UNION
Address:
(Main Office)
222 COLLEGE AVE
WATERVILLE, ME 04901-6226
Phone:(207) 872-5039
Fax:(207) 872-5776
Website:https://www.kswfcu.org
Branches:2 branch locations
Members:9,818
Credit Union Type:Federal Credit Union
Charter Number:9943
Membership Type:Community - Rural District
Corporate Credit Union:No
Year Opened:1954
Last Audited:Dec 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$93,364,405
CEO/Manager:Deseree A Gilman
Chairperson:John Picchiotti

Call Report

  • Commercial Loans
  • Indirect Consumer Loans
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 25,121,334
TOTAL INVESTMENTS 3,691,043
Loans Held for Sale 0
 
 Real Estate Loans 23,436,084
 Unsecured Loans 3,702,624
 Other Loans 35,126,393
 TOTAL LOANS 62,265,101
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -863,304
 Land And Building 1,093,423
 Other Fixed Assets 194,507
 NCUSIF Deposit 707,790
 All Other Assets 1,154,511
  TOTAL ASSETS 93,364,405
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 282,498
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 13,530,161
 Regular shares 44,314,212
 All Other Shares & Deposits 27,761,248
  TOTAL SHARES & DEPOSITS 85,605,621
  TOTAL LIABILITIES 85,888,119
 Regular Reserve 562,565
 Other Reserves -873,509
 Undivided Earnings 7,787,230
  TOTAL EQUITY 7,476,286
  TOTAL LIABILITIES, SHARES, & EQUITY 93,364,405
INCOME & EXPENSE  
 Loan Income 776,743
 Investment Income 8,088
 Other Income 83,543
 Total Employee Compensation & Benefits 284,213
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 387,756
 Non-operating Income & (Expense) -30,112
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 99,251
 Cost of Funds 99,035
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 171,772
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