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National Credit Union Service Organization

KEYPOINT CREDIT UNION

Mar, 31, 2021 — KEYPOINT CREDIT UNION is a federally insured state chartered credit union headquartered in Santa Clara, CA with 6 branch locations and about $1.63 billion in total assets. Opened 42 years ago in 1979, KEYPOINT CREDIT UNION has about 59,781 members and employs 180 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:6 branch locations
Members:59,781
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$1,630,975,658
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 145,589,590
TOTAL INVESTMENTS 383,458,309
Loans Held for Sale 4,800,504
 
 Real Estate Loans 844,709,544
 Unsecured Loans 59,675,653
 Other Loans 147,665,070
 TOTAL LOANS 1,052,177,984
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -2,931,934
 Land And Building 0
 Other Fixed Assets 5,061,665
 NCUSIF Deposit 9,814,691
 All Other Assets 33,004,849
  TOTAL ASSETS 1,630,975,658
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 139,000,000
 Accounts Payable & Other Liabilities 43,449,321
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 106,616,649
 Regular shares 833,089,646
 All Other Shares & Deposits 370,528,927
  TOTAL SHARES & DEPOSITS 1,310,235,222
  TOTAL LIABILITIES 1,492,684,543
 Regular Reserve 2,756,230
 Other Reserves 163,494
 Undivided Earnings 135,371,391
  TOTAL EQUITY 138,291,115
  TOTAL LIABILITIES, SHARES, & EQUITY 1,630,975,658
INCOME & EXPENSE  
 Loan Income 8,767,118
 Investment Income 810,765
 Other Income 749,541
 Total Employee Compensation & Benefits 6,298,089
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,191,952
 Non-operating Income & (Expense) 25,866,672
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 280,000
 Cost of Funds 1,325,683
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 26,774,066
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