# KAIPERM
Walnut Creek, CA · NCUA charter 11944 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kaiperm-11944

Who the members are: federal charter, service (single sponsor), organized 1957. 7,823 members of 345,930 potential (2.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $109.0M |
| Members | 7,823 (3.8% YoY) |
| Full-time staff | 17 |
| Net worth | $10.0M |
| Net worth ratio | 9.2% (p16 of band) |
| ROA (annualized) | 0.08% (p12 of band) |
| Total delinquency | 0.23% (p18 of band) |
| Net charge-offs (annualized) | 0.18% (p31 of band) |
| Loans / shares | 83% (p78 of band) |
| Cash / assets | 11.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p20 of band) |
| Operating expense / assets | 3.41% (p41 of band) |
| Vehicles % of loans | 14% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.07% (p74 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 31% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 37% |
| Average share balance | $7,088 |
| Participations bought / yr | $0 |
| Participations sold / yr | $5.6M |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $32,269 |
| Loans granted, annualized | $25.1M |

## Participation posture (from the same filings)

Bought $0 and sold $5.6M in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $3.3M sold and retained. Sold in 5 and bought in 0 of the last 8 quarters. Shares -5.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | net worth falling, losing money |  |
| 2018-09 | 1 | delinquency rising | net worth falling, losing money |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | losing money |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 2 |  | net worth falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | net worth falling | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | losing money |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising, loans>95% of shares | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 3 | thin capital | loans>95% of shares |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 1 |  | net worth falling |
| 2024-03 | 2 | losing money |  |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 |  | net worth falling |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 2 | assets shrinking | thin capital |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2013-06-05 [Northwest Resource Federal Credit Union changes name to Trailhead Credit Union - OregonLive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPLUZ3Y3dDbFVtVkMwWXlSSlBZcTRTQ0otMnBRR1RQRllzU0FoSlJJalJvT1d3ZTE2NGlSRzZMVU82T2dEelFhaGhKOG9SMUpSS1o5VXlXV3FEd0c2MVY3VFE4RmU2UzNQVnowNF8zUzhFdm9hLVB0SFYxVEdVQXRjbWFQQ1FkQQ?oc=5) · OregonLive.com
- 2008-09-03 [Valley Credit Union taken over - eastbaytimes.com](https://news.google.com/rss/articles/CBMie0FVX3lxTFBVSzVESUQzNWtHMnlUNHo2VWVhSVZrLW9VenhxaGs3VDRmR3lNVmZfUlgycDR4VEd4RGhSbVNsdlVCdHlhQzdoWHRjaFY0S3NTTTlKSTJqOXNkRkJGd3lnaGphdlQwakVMNTRfUzFaQXVQRGdBM1JpXzJJZ9IBgAFBVV95cUxPWWpUdlBncDA0VWhoMmNhdkdIU1lib2RHOF82NHhtUzZDMmVLbVAzZjY3Qk5rcllLWnRMNUFOaHhJbTBSdWd2d1FFMzFDMzIzV2J4MElGMEEzc3hFb0hGZW44dlZObW9TQ09OWEpEcl8xbkNUbmRBUEwzcXpWT1E0Mg?oc=5) · eastbaytimes.com
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2021-10-24 [Elsa Ganzon Obituary - Las Vegas, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQc2pQbWk3cDVKMUZBSmRqSEFIeVRFY29QckFnZjNYSlFxdlRxQ00ybzdyZzk5ckEtNGd3dUJCWjFSYldHd3JXUGQ5Mkxkd3JjQ3RybHBoZWtXaDJYajFUWTlIZ20xbkdtT3RGVmZCTWlrcjR3RDB1bTlvcW9tR05GajVB?oc=5) · Dignity Memorial
- 2025-04-19 [James H. Reid - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMickFVX3lxTE1iVV80U01icFdMZGJ6SFNfTVlhOWZaSWU0NjJPOVgxMFpEV2JucndhY3pDcEpHS0g0U1FFV2VaUjdmSFR4MEs1YjB0WGRqZTdibmdZaU5XVUpPMXRUcjV6MUFFd0pYdHlNR2VJd0otSExBZw?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11944 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "11944", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11944
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide