KAIPERM
Charter #11944 · Walnut Creek, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.16% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.23% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 94.46% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 51st — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KAIPERM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $108.99M | 6th pct | 15th pct |
| Members | 7,823 | 17th pct | 39th pct |
| Net worth ratio | 9.16% | 16th pct | 23th pct |
| Return on average assets | 0.08% | 11th pct | 16th pct |
| Net interest margin | 3.15% | 21th pct | 30th pct |
| Cost of funds | 1.72% | 78th pct | 59th pct |
| Loan-to-share | 83.11% | 76th pct | 51th pct |
| Delinquency 60+ days | 0.23% | 16th pct | 15th pct |
| Net charge-off ratio | 0.18% | 28th pct | 43th pct |
| Loan growth YoY | -3.98% | 10th pct | 8th pct |
| Share growth YoY | 2.03% | 28th pct | 43th pct |
| Efficiency ratio | 94.46% | 94th pct | 85th pct |
structural peer set hash: 6df4be7313295a1dbc3437221f6439c9… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.