BlastPoint's Credit Union Scorecard

KAIPERM NORTHWEST

Charter #20516 · OR

1077 CUs in 100M-500M nationally 18 in OR

KAIPERM NORTHWEST has 3 strengths but faces 14 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 36.0% in tier
+ Members Per Employee (MPE): Top 8.4% in tier
+ Total Delinquency Rate (60+ days): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 8.5% in tier
- Accelerating Exit Risk: Bottom 13.4% in tier
- Membership Headwinds: Bottom 17.5% in tier
- Shrinking Wallet Share: Bottom 20.2% in tier
- Institutional Decline: Bottom 20.2% in tier
- Credit Quality Pressure: Bottom 28.1% in tier
- ROA 0.03% below tier average
- Member decline: -2.4% YoY
- Net Interest Margin (NIM): Bottom 3.2% in tier
- Total Members: Bottom 4.6% in tier
- Asset Growth Rate: Bottom 4.8% in tier
- Total Loans: Bottom 7.9% in tier
- Loan Growth Rate: Bottom 9.3% in tier
- Deposit Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	5,648 -2.4% YoY-1.0% QoQ	-10.0K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	Bottom 4.5% in tier
Assets	$136.4M -4.0% YoY-3.1% QoQ	$-94.9M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	24%
Loans	$56.3M -6.2% YoY+0.8% QoQ	$-91.5M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Bottom 7.8% in tier
Deposits	$101.6M -2.0% YoY-4.2% QoQ	$-98.6M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	Bottom 12.2% 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	0.8% +54.8% YoY+1.8% QoQ	-0.0%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	49%
NIM	2.2% +17.4% YoY+2.5% QoQ	-1.4%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Bottom 3.2% in tier
Efficiency Ratio	73.1% -8.2% YoY+0.2% QoQ	-4.2%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	0.2% +9.3% YoY-12.5% QoQ	-0.7	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	Bottom 9.8% in tier
Loan To Share	55.4% -4.3% YoY+5.3% QoQ	-17.3%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	15%
AMR	$27,968 -1.2% YoY-1.5% QoQ	+$4K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	76%
CD Concentration	21.3% +11.9% YoY+2.5% QoQ	-3.1%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.2% -59.9% YoY-28.6% QoQ	-13.8%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#123 of 340 • Top 36.0% in tier

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

Why This Signature

Delinquency Rate: 0.19%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% 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 worsening

Concerns (6)

Stagnation Risk

risk

#140 of 550 • Bottom 8.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.18%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.19%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#36 of 58 • Bottom 13.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -1.17%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Membership Headwinds

decline

#288 of 550 • Bottom 17.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY

Shrinking Wallet Share

decline

#202 of 244 • Bottom 20.2% in tier

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

Why This Signature

AMR Growth (YoY): -1.17%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Institutional Decline

decline

#160 of 256 • Bottom 20.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $136.43M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.39%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.18%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#695 of 736 • Bottom 28.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

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

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 (3 metrics)

Members Per Employee (MPE)

engagement

Value: 470.667

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

107

Total Delinquency Rate (60+ days)

risk

Value: 0.19%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

255

Average Member Relationship (AMR)

engagement

Value: $27,968

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (11 metrics)

1043

Net Interest Margin (NIM)

profitability

Value: 2.22%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

1028

Total Members

engagement

Value: 5,648

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1026

Asset Growth Rate

growth

Value: -3.97%

Peer Avg: -

#1026 of 1077 Bottom 4.8% in 100M-500M tier

993

Total Loans

balance_sheet

Value: $56.32M

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

978

Loan Growth Rate

growth

Value: -6.18%

Peer Avg: -

#978 of 1077 Bottom 9.3% in 100M-500M tier

975

Deposit Growth Rate

growth

Value: -1.99%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

946

Total Deposits

balance_sheet

Value: $101.65M

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

912

AMR Growth Rate

growth

Value: -1.17%

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

911

Loan-to-Share Ratio

balance_sheet

Value: 55.41%

Peer Avg: -

#911 of 1077 Bottom 15.5% in 100M-500M tier

833

Member Growth Rate

growth

Value: -2.39%

Peer Avg: -

#833 of 1077 Bottom 22.7% in 100M-500M tier