BlastPoint's Credit Union Scorecard
KAIPERM NORTHWEST
Charter #20516 · OR
KAIPERM NORTHWEST has 1 strength but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 35.6% in tier
- - Membership Headwinds: Bottom 36.4% in tier
- - Accelerating Exit Risk: Bottom 47.3% in tier
- - Efficiency Drag: Bottom 49.0% in tier
- - Institutional Decline: Bottom 51.0% in tier
- - Shrinking Wallet Share: Bottom 93.2% in tier
- - Credit Quality Pressure: Bottom 97.3% in tier
- - ROA 3.71% below tier average
- - Efficiency ratio 110.29% above tier (higher cost structure)
- - Member decline: -3.8% YoY
- - Asset Growth Rate: Bottom 0.4% in tier
- - Total Members: Bottom 4.5% in tier
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Total Loans: Bottom 8.2% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,558
-3.8% YoY-1.6% QoQ
|
-9.9K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$119.3M
-14.5% YoY-12.6% QoQ
|
$-112.6M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.9% in tier |
| Loans |
$55.6M
-5.9% YoY-1.2% QoQ
|
$-91.7M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.1% in tier |
| Deposits |
$101.5M
-3.8% YoY-0.2% QoQ
|
$-99.3M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.5% in tier |
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| ROA |
-2.9%
-641.6% YoY-490.9% QoQ
|
-3.7% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.1% in tier |
| NIM |
2.4%
+16.2% YoY+8.0% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
187.3%
+138.4% YoY+156.3% QoQ
|
+110.3% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 0.2% in tier |
| Delinquency Rate |
0.2%
+5.2% YoY+22.5% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
54.8%
-2.2% YoY-1.0% QoQ
|
-17.4% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$28,265
-0.7% YoY+1.1% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
21.7%
+14.6% YoY+1.8% QoQ
|
-2.7% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-74.9% YoY-48.6% QoQ
|
-13.7% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)