KAIPERM

Charter #11944 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

KAIPERM has 7 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 5.8% in tier
  • + Organic Growth Engine: Top 13.4% in tier
  • + Emerging Performer: Top 15.4% in tier
  • + Strong member growth: 5.2% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 3.5% in tier
  • + Member Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.8% in tier
  • - Deposit Outflow: Bottom 7.1% in tier
  • - Capital Constraint: Bottom 12.6% in tier
  • - Efficiency Drag: Bottom 20.7% in tier
  • - ROA 0.50% below tier average
  • - Efficiency ratio 11.21% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 1.3% in tier
  • - AMR Growth Rate: Bottom 1.6% in tier
  • - Fee Income Per Member: Bottom 1.8% in tier
  • - Deposit Growth Rate: Bottom 1.8% in tier
  • - Total Assets: Bottom 5.3% in tier
  • - Total Deposits: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 7,659
+5.2% YoY+1.1% QoQ
 -8.0K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 13.8% in tier
Assets $107.4M
-7.2% YoY-1.4% QoQ
 $-123.9M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 5.2% in tier
Loans $85.8M
-5.6% YoY-4.1% QoQ
 $-62.0M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $97.2M
-8.1% YoY-1.6% QoQ
 $-103.1M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 8.4% in tier
ROA 0.3%
-363.9% YoY-5.4% QoQ
 -0.5% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 18.1% in tier
NIM 3.1%
+25.9% YoY+5.2% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 25th in tier
Efficiency Ratio 88.5%
-10.4% YoY+1.1% QoQ
 +11.2% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 13.1% in tier
Delinquency Rate 0.1%
-77.0% YoY-66.9% QoQ
 -0.8 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 3.5% in tier
Loan To Share 88.3%
+2.7% YoY-2.6% QoQ
 +15.6% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 18.6% in tier
AMR $23,887
-11.5% YoY-3.8% QoQ
 $-476 $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 38.5%
-1.2% YoY-0.0% QoQ
 +14.1% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#78 of 430 • Top 5.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#246 of 603 • Top 13.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth
#289 of 627 • Top 15.4% in tier

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

Why This Signature
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline
#19 of 244 • Bottom 1.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.52%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline
#43 of 114 • Bottom 7.1% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -8.10%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $107.42M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Capital Constraint

risk
#12 of 18 • Bottom 12.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 88.32%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -8.10%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 9.39%
(Tier: 11.95%, National: 14.51%)
worse than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Efficiency Drag

risk
#365 of 521 • Bottom 20.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 88.49%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.39% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 5.16%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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 (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
39
Total Delinquency Rate (60+ days)
risk
Value: 0.07%
Peer Avg: 0.86%
#39 of 1077 Top 3.5% in 100M-500M tier
96
Member Growth Rate
growth
Value: 5.16%
Peer Avg: 0.72%
#96 of 1077 Top 8.8% in 100M-500M tier
118
Members Per Employee (MPE)
engagement
Value: 450.529
Peer Avg: 332.881
#118 of 1077 Top 10.9% in 100M-500M tier
200
Loan-to-Share Ratio
balance_sheet
Value: 88.32%
Peer Avg: 72.70%
#200 of 1077 Top 18.5% in 100M-500M tier
201
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.47%
#201 of 1077 Top 18.6% in 100M-500M tier

Top Weaknesses (12 metrics)

1064
Asset Growth Rate
growth
Value: -7.23%
Peer Avg: 4.70%
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1061
AMR Growth Rate
growth
Value: -11.52%
Peer Avg: 3.64%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1059
Fee Income Per Member
profitability
Value: $36.21
Peer Avg: $174.31
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1059
Deposit Growth Rate
growth
Value: -8.10%
Peer Avg: 4.69%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1021
Total Assets
balance_sheet
Value: $107.42M
Peer Avg: $231.30M
#1021 of 1077 Bottom 5.3% in 100M-500M tier
987
Total Deposits
balance_sheet
Value: $97.15M
Peer Avg: $200.29M
#987 of 1077 Bottom 8.4% in 100M-500M tier
970
Share Certificate Concentration (%)
balance_sheet
Value: 38.53%
Peer Avg: 23.61%
#970 of 1077 Bottom 10.0% in 100M-500M tier
961
Loan Growth Rate
growth
Value: -5.61%
Peer Avg: 3.45%
#961 of 1077 Bottom 10.9% in 100M-500M tier
937
Efficiency Ratio
profitability
Value: 88.49%
Peer Avg: 77.28%
#937 of 1077 Bottom 13.1% in 100M-500M tier
928
Total Members
engagement
Value: 7,659
Peer Avg: 15,628
#928 of 1077 Bottom 13.9% in 100M-500M tier