Federal credit union · Portland, Oregon · NCUA charter #20516
Kaiperm Northwest
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $119.3M
- Total assets
- 5,558
- Members
- 9.4%
- Net-worth ratio
Kaiperm Northwest scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $119.3M; members 5,558; net-worth ratio 9.41%; health rank #2,471 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,471 of 4,374 health · 2025Q4Kaiperm Northwest · health 82/100 · $119.3M · 2025Q4
Call Report peers
Kaiperm Northwest in the assets neighbourhood
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Kaiperm Northwest vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Kaiperm Northwest sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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 Northwest
- Largest favorable gap: Delinquency Rate at 0.23% vs peer 0.89% (-0.67 pp).
- Loan-to-Share Ratio trails the peer set - 54.84% here, 72.20% peer average (-17.36 pp).
Oregon standing for Kaiperm Northwest
- Health composite ranks #30 of 48 among scored Oregon credit unions.
- Oregon assets place: #28 of 48.
- Member book place in Oregon: #32 of 48.
- One place up in Oregon, Point West (#29) ties at 82/100; one place down, Ironworkers USA (#31) scores 81/100, 1 point lower.
Quarter path for Kaiperm Northwest
Kaiperm Northwest: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- Assets moved -14.5% from $139.5M (2024Q4) to $119.3M (2025Q4).
- Membership moved -3.8% from 5,779 to 5,558 over the same window.
- Net-worth ratio shifted -1.34 pp (10.75% → 9.41%).
This credit union's 9.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Kaiperm Northwest gives up 18 points in total. Member Growth costs the most, 12.9 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 11.4 pts
Kaiperm Northwest health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.41% | -2.70 pp |
| Delinquency Rate | 0.23% | -0.67 pp |
| Return on Assets | 0.64% | +0.02 pp |
| Member Growth | -3.82% | - |
| Loan-to-Share Ratio | 54.84% | -17.36 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $119.3M | 5,558 |
| 2024Q4 | $139.5M | 5,779 |
| 2023Q4 | $126.4M | 5,873 |
Credit Union Details
- Charter Number
- 20516
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Portland
- Data Quarter
- 2025Q4
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Kaiperm Northwest ranks #2,471 of 4,374 nationally on financial health and #30 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VALLEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VALLEY
Frequently Asked Questions
Is Kaiperm Northwest financially healthy?
On its 2025Q4 NCUA 5300 filing, Kaiperm Northwest scores 82/100 (Excellent), with a 9.41% net worth ratio and 0.23% of loans delinquent. It ranks #2,471 of 4,374 nationally on health and #30 of 48 in Oregon.
How does Kaiperm Northwest compare to other credit unions?
Kaiperm Northwest scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.23% vs 0.89%). Its widest shortfall is loan-to-share ratio (54.84% vs 72.20%).
How can I join Kaiperm Northwest?
Kaiperm Northwest 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 Northwest directly for the exact boundaries and application steps.
Is my money safe at Kaiperm Northwest?
Kaiperm Northwest 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 Northwest's net worth ratio of 9.41% 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.