BlastPoint's Credit Union Scorecard

KAIPERM

Charter #11944 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

KAIPERM has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Members Per Employee (MPE): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.64% below tier average
- Efficiency ratio 16.43% above tier (higher cost structure)
- AMR Growth Rate: Bottom 1.6% in tier
- Asset Growth Rate: Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	7,823 +3.8% YoY+0.8% QoQ	-7.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	17%
Assets	$109.0M -5.4% YoY+0.9% QoQ	$-122.7M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 6.3% in tier
Loans	$82.4M -9.4% YoY-2.6% QoQ	$-61.8M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	25%
Deposits	$99.1M -5.5% YoY+1.2% QoQ	$-102.0M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Bottom 10.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -75.8% YoY-68.7% QoQ	-0.6%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 11.1% in tier
NIM	3.1% +12.6% YoY-1.7% QoQ	-0.5%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	94.5% +11.2% YoY+5.8% QoQ	+16.4%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 6.4% in tier
Delinquency Rate	0.2% +14.0% YoY+150.7% QoQ	-0.5	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	16%
Loan To Share	83.1% -4.1% YoY-3.8% QoQ	+12.7%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	76%
AMR	$23,201 -10.7% YoY-1.4% QoQ	$-2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	51%
CD Concentration	36.8% +2.4% YoY+1.9% QoQ	+12.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#121 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.82%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#230 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.82%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.08%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#18 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -10.73%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk

#191 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.46%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.82%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#33 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.50%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 3.82%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Credit Quality Pressure

risk

#636 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

106

Members Per Employee (MPE)

engagement

Value: 460.176

Peer Median: 309.176

#106 of 1070 Top 9.8% in 100M-500M tier

164

Member Growth Rate

growth

Value: 3.82%

Peer Median: -0.06%

#164 of 1070 Top 15.2% in 100M-500M tier

173

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#173 of 1070 Top 16.1% in 100M-500M tier

261

Loan-to-Share Ratio

balance_sheet

Value: 83.11%

Peer Median: 71.88%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (13 metrics)

1054

AMR Growth Rate

growth

Value: -10.73%

Peer Median: 3.46%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1042

Asset Growth Rate

growth

Value: -5.35%

Peer Median: 3.91%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1035

Loan Growth Rate

growth

Value: -9.41%

Peer Median: 2.93%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

1035

Deposit Growth Rate

growth

Value: -5.50%

Peer Median: 3.30%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

1005

Fee Income Per Member

profitability

Value: $66.70

Peer Median: $154.95

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1003

Efficiency Ratio

profitability

Value: 94.46%

Peer Median: 78.68%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

1003

Total Assets

balance_sheet

Value: $108.99M

Peer Median: $196.57M

#1003 of 1070 Bottom 6.4% in 100M-500M tier

961

Total Deposits

balance_sheet

Value: $99.12M

Peer Median: $171.29M

#961 of 1070 Bottom 10.3% in 100M-500M tier

956

Share Certificate Concentration (%)

balance_sheet

Value: 36.80%

Peer Median: 23.10%

#956 of 1070 Bottom 10.7% in 100M-500M tier

951

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.69%

#951 of 1070 Bottom 11.2% in 100M-500M tier