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National Credit Union Service Organization

KEYPOINT CREDIT UNION

Dec, 31, 2020 — KEYPOINT CREDIT UNION is a federally insured state chartered credit union headquartered in Santa Clara, CA with 7 branch locations and about $1.50 billion in total assets. Opened 42 years ago in 1979, KEYPOINT CREDIT UNION has about 59,863 members and employs 177 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 321180515
Name:KEYPOINT CREDIT UNION
Address:
(Main Office)
2805 Bowers Ave
Santa Clara, CA 95051
Phone:(408) 731-4100
Fax:(408) 727-1959
Website:https://www.kpcu.com
Branches:7 branch locations
Members:59,863
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:65299
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1979
Last Audited:Dec 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$1,496,366,358
CEO/Manager:T. Bradford Canfield
Chairperson:Baljinder Sandhu

Call Report

  • Commercial Loans
  • Credit Builder
  • Debt Cancellation/Suspension
  • Indirect Commercial Loans
  • Indirect Consumer Loans
  • Indirect Mortgage Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Health Savings Accounts
  • Insurance/Investment Sales
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 136,131,861
TOTAL INVESTMENTS 272,040,762
Loans Held for Sale 2,574,289
 
 Real Estate Loans 818,902,481
 Unsecured Loans 47,525,182
 Other Loans 164,579,159
 TOTAL LOANS 1,031,180,683
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,067,424
 Land And Building 10,327,028
 Other Fixed Assets 5,452,541
 NCUSIF Deposit 9,814,691
 All Other Assets 31,911,927
  TOTAL ASSETS 1,496,366,358
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 139,000,000
 Accounts Payable & Other Liabilities 20,344,002
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 97,213,870
 Regular shares 764,062,643
 All Other Shares & Deposits 361,882,714
  TOTAL SHARES & DEPOSITS 1,223,159,227
  TOTAL LIABILITIES 1,382,503,229
 Regular Reserve 2,756,230
 Other Reserves 2,509,576
 Undivided Earnings 108,597,323
  TOTAL EQUITY 113,863,129
  TOTAL LIABILITIES, SHARES, & EQUITY 1,496,366,358
INCOME & EXPENSE  
 Loan Income 37,426,358
 Investment Income 3,911,299
 Other Income 10,621,323
 Total Employee Compensation & Benefits 22,095,706
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 16,732,612
 Non-operating Income & (Expense) 36,348
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 3,737,000
 Cost of Funds 6,619,476
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,810,534
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