Federal credit union · Walnut Creek, California · NCUA charter #11944
Kaiperm
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $108.1M
- Total assets
- 7,758
- Members
- 7.6%
- Net-worth ratio
Kaiperm - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11944 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Kaiperm - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)100
- Earnings (ROA)27
- Member growth97
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.64% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | -0.06% | 15% |
| Member Growth | 4.61% | 15% |
| Loan-to-Share Ratio | 86.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $108.1M | 7,758 |
| 2024Q4 | $115.3M | 7,416 |
| 2023Q4 | $114.5M | 6,870 |
Credit Union Details
- Charter Number
- 11944
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Walnut Creek
- Data Quarter
- 2025Q4
What This Data Says About Kaiperm
7,758 members and $108.1M in total assets sit behind Kaiperm, a federal credit union in Walnut Creek, California, which posts a health score of 83/100 (Excellent) on the five-factor composite, with $84.6M in outstanding loans as of Q4 2025 and a net worth ratio of 7.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #11944 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.09% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 86.36% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.06% on net income of $-60314 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.61%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Kaiperm financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Kaiperm carries a financial health score of 83/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.64% net worth ratio and a 0.09% delinquency rate.
How does Kaiperm compare to other credit unions?
83/100 is Kaiperm's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Kaiperm?
Kaiperm operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kaiperm directly for the exact boundaries and application steps.
Is my money safe at Kaiperm?
Federal credit unions like Kaiperm are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Kaiperm's net worth ratio of 7.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kaiperm offer compared to banks?
Credit unions like Kaiperm are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Kaiperm directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.