BlastPoint's Credit Union Scorecard
KAIPERM
Charter #11944 · CA
KAIPERM has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 22.6% in tier
- + Organic Growth Engine: Top 44.4% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.2% in tier
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 7.7% in tier
- - Deposit Outflow: Bottom 44.1% in tier
- - Efficiency Drag: Bottom 57.2% in tier
- - Capital Constraint: Bottom 81.8% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 12.28% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 1.7% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 3.5% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,758
+4.6% YoY+1.3% QoQ
|
-7.7K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 14.9% in tier |
| Assets |
$108.1M
-6.3% YoY+0.6% QoQ
|
$-123.8M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.5% in tier |
| Loans |
$84.6M
-9.5% YoY-1.4% QoQ
|
$-62.7M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$98.0M
-6.9% YoY+0.8% QoQ
|
$-102.8M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-607.3% YoY-7.5% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.2%
+25.7% YoY+1.2% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
89.3%
-7.4% YoY+0.9% QoQ
|
+12.3% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.1%
-71.4% YoY+23.5% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.2% in tier |
| Loan To Share |
86.4%
-2.9% YoY-2.2% QoQ
|
+14.1% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$23,534
-12.2% YoY-1.5% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
36.1%
-3.2% YoY-6.3% QoQ
|
+11.7% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)