# KAIPERM NORTHWEST
Portland, OR · NCUA charter 20516 · asset band $100-200M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kaiperm-northwest-20516

Who the members are: federal charter, multiple common bond, organized 1971. 5,558 members of 39,390 potential (14.1% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *too clean*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $119.3M |
| Members | 5,558 (-3.8% YoY) |
| Full-time staff | 12 |
| Net worth | $11.2M |
| Net worth ratio | 9.4% (p19 of band) |
| ROA (annualized) | -3.16% (p0 of band) |
| Total delinquency | 0.23% (p12 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 55% (p20 of band) |
| Cash / assets | 15.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p7 of band) |
| Operating expense / assets | 6.66% (p99 of band) |
| Vehicles % of loans | 8% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 0% (p34 of band) |
| Vehicle delinquency | 0.88% (p60 of band) |
| Vehicle NCO | 0.53% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 85% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 22% |
| Average share balance | $8,797 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $17,765 |
| Loans granted, annualized | $14.3M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | margin squeeze |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 4 | delinquency rising, members leaving |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze, members leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | leaning on borrowings |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | thin capital |  |
| 2024-06 | 2 |  | thin capital |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | repo signal |  |
| 2025-03 | 2 | assets shrinking | repo signal |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | losing money, expense trap, members leaving | leaning on borrowings |

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

- 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
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20516 (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/36.json (key "20516", 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=20516
- 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