TellerScore

Kaiperm Federal Credit Union (NCUA charter #11944) is based in Walnut Creek, California. Its Q2 2026 call report shows $108.4M in total assets and $98.7M in member shares and deposits and 1 office.

Kaiperm Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 139th. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (30/100, 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.31%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity83/100
Loans ÷ shares: 77.4% · 10.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the funding & liquidity component improved by 13 points.

TellerScore
566166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202456
Q4 202456
Q1 202562
Q2 202562
Q3 202565
Q4 202564
Q1 202661
Q2 202666
Net worth ratio
7.00%8.20%9.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.57%
Q3 20248.48%
Q4 20248.54%
Q1 20258.64%
Q2 20259.19%
Q3 20259.39%
Q4 20259.23%
Q1 20269.16%
Q2 20269.31%
Delinquent loans (60+ days)
0.05%0.19%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.32%
Q4 20240.32%
Q1 20250.20%
Q2 20250.23%
Q3 20250.07%
Q4 20250.09%
Q1 20260.23%
Q2 20260.05%
Return on assets
-0.15%0.10%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.15%
Q3 2024-0.11%
Q4 2024-0.05%
Q1 20250.34%
Q2 20250.31%
Q3 20250.29%
Q4 20250.26%
Q1 20260.08%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$108.4M9.31%0.05%0.24%77.4%
Q1 202661$109.0M9.16%0.23%0.08%83.1%
Q4 202564$108.1M9.23%0.09%0.26%86.4%
Q3 202565$107.4M9.39%0.07%0.29%88.3%
Q2 202562$109.0M9.19%0.23%0.31%90.7%
Q1 202562$115.2M8.64%0.20%0.34%86.7%
Q4 202456$115.3M8.54%0.32%-0.05%88.9%
Q3 202456$115.8M8.48%0.32%-0.11%86.0%
Q2 202459$114.6M8.57%0.07%-0.15%86.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.31%
17th
Problem loans0.05%
98th
Net charge-offs0.22%
67th
Return on assets0.24%
13th
Loans to deposits77.4%
46th
Uninsured deposits10.9%
14th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
96th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Rancho Federal Credit UnionCredit union Downey, CA64 out of 100, Moderate$108.8M8.6%0.47%vs
Lassen County Federal Credit UnionCredit union Susanville, CA79 out of 100, Strong$107.5M13.6%0.49%vs
First California Federal Credit UnionCredit union Fresno, CA78 out of 100, Strong$109.7M10.6%0.98%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
Marin County Federal Credit UnionCredit union San Rafael, CA66 out of 100, Moderate$103.5M12.1%1.69%vs
Glendale Federal Credit UnionCredit union Glendale, CA78 out of 100, Strong$102.7M12.6%0.29%vs

Deposit insurance

Is my money safe at Kaiperm Federal Credit Union?

Yes. Kaiperm Federal Credit Union is a federally insured credit union (NCUA charter #11944). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.9% of shares and deposits ($10.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Kaiperm Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kaiperm Federal Credit Union
Type
Federal credit union
NCUA charter #
11944
RSSD ID
250083
Primary regulator
NCUA
Established
1957
Headquarters
325 N Wiget Ln Ste130, Walnut Creek, CA 94598
Employees
16

Quick answers

Kaiperm Federal Credit Union: common questions

Is Kaiperm Federal Credit Union NCUA insured?

Yes. Kaiperm Federal Credit Union is a federally insured credit union (NCUA charter #11944). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Kaiperm Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Kaiperm Federal Credit Union have?

1 office as of the latest NCUA data.