BlastPoint's Credit Union Scorecard

KAIPERM

Charter #11944 · CA

1077 CUs in 100M-500M nationally 63 in CA

KAIPERM has 7 strengths but faces 12 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 5.8% in tier
+ Credit Quality Leader: Top 12.1% in tier
+ Organic Growth Engine: Top 13.4% 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
- Capital Constraint: Bottom 12.6% in tier
- Efficiency Drag: Bottom 20.7% in tier
- Deposit Outflow: Bottom 40.0% 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	26%
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

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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	0.3% -363.9% YoY-5.4% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	18%
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	25%
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	81%
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	60%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#78 of 430 • Top 5.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.16%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Credit Quality Leader

growth

#42 of 340 • Top 12.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.07%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.25% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

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: 13.97%, 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

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

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

Deposit Outflow

decline

#33 of 81 • Bottom 40.0% 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): -8.10%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 5.16%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Member Growth Rate

growth

Value: 5.16%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

118

Members Per Employee (MPE)

engagement

Value: 450.529

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

200

Loan-to-Share Ratio

balance_sheet

Value: 88.32%

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

201

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#201 of 1077 Top 18.6% in 100M-500M tier

Top Weaknesses (12 metrics)

1064

Asset Growth Rate

growth

Value: -7.23%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1061

AMR Growth Rate

growth

Value: -11.52%

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

1059

Fee Income Per Member

profitability

Value: $36.21

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1059

Deposit Growth Rate

growth

Value: -8.10%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1021

Total Assets

balance_sheet

Value: $107.42M

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

987

Total Deposits

balance_sheet

Value: $97.15M

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

970

Share Certificate Concentration (%)

balance_sheet

Value: 38.53%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

961

Loan Growth Rate

growth

Value: -5.61%

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

937

Efficiency Ratio

profitability

Value: 88.49%

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier

928

Total Members

engagement

Value: 7,659

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier