Federal credit union · Walnut Creek, California · NCUA charter #11944
KAIPERM
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $108.1M
- Total assets
- 7,758
- Members
- 9.2%
- Net-worth ratio
KAIPERM scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $108.1M; members 7,758; net-worth ratio 9.16%; health rank #1,863 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,863 of 4,374 health · 2025Q4KAIPERM · health 86/100 · $108.1M · 2025Q4
Call Report peers
KAIPERM in the assets neighbourhood
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KAIPERM vs every NCUA-scored credit union
KAIPERM sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for KAIPERM
- Loan-to-Share Ratio leads the peer set - 86.36% here, 72.20% peer average (+14.16 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.95 pp (9.16% vs 12.11%).
California standing for KAIPERM
- In California, health place is #110 of 243 on the same NCUA-ratio sort used nationally.
- By total assets, KAIPERM is #147 of 243 in California.
- Membership ranks #136 of 243 among California CUs with a reported count (7,758 members).
- One place up in California, TUCOEMAS (#109) ties at 86/100; one place down, Union Yes (#111) ties at 86/100.
KAIPERM Call Report trajectory
KAIPERM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $108.1M (2025Q4) to $109.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.23% → 9.16%).
At 9.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
KAIPERM gives up 14 points in total. Return on Assets costs the most, 11 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.0 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 14.6 pts
KAIPERM vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.16% | -2.95 pp |
| Delinquency Rate | 0.09% | -0.80 pp |
| Return on Assets | -0.06% | -0.68 pp |
| Member Growth | 4.61% | - |
| Loan-to-Share Ratio | 86.36% | +14.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
KAIPERM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $109.0M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for KAIPERM.
| Office | City |
|---|---|
| Shadelands Office (Main Office) | Walnut Creek, CA |
| Downtown Office | Walnut Creek, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for KAIPERM
Using this data
- KAIPERM ranks #1,863 of 4,374 nationally on financial health and #110 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lassen County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lassen County
Frequently Asked Questions
Is KAIPERM financially healthy?
KAIPERM has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,863 of 4,374 nationally on health and #110 of 243 in California. Its net worth ratio is 9.16% and its delinquency rate 0.09%.
How does KAIPERM compare to other credit unions?
KAIPERM scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.36% vs 72.20%). Its widest shortfall is net worth ratio (9.16% vs 12.11%).
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?
KAIPERM is a federal credit union; its shares are federally 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 9.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.