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National Credit Union Service Organization

KEYPOINT CREDIT UNION

Sep, 30, 2022 — KEYPOINT CREDIT UNION is a federally insured state chartered credit union headquartered in SAN JOSE, CA with 7 branch locations and about $1.81 billion in total assets. Opened 44 years ago in 1979, KEYPOINT CREDIT UNION has about 61,876 members and employs 188 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)
2150 Trade Zone Blvd
SAN JOSE, CA 95131-1730
Phone:(408) 731-4100
Fax:(408) 727-1959
Website:https://www.kpcu.com
Branches:7 branch locations
Members:61,876
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$1,810,756,069
CEO/Manager:T. Bradford Canfield
Chairperson:Marsha Poenish

Call Report

  • Credit Builder
  • First Time Homebuyer Program
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 115,944,753
TOTAL INVESTMENTS 0
Loans Held for Sale 12,156,145
 
 Real Estate Loans 978,913,656
 Unsecured Loans 133,582,135
 Other Loans 257,563,850
 TOTAL LOANS 1,370,331,205
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -6,585,014
 Land And Building 16,922,502
 Other Fixed Assets 4,006,296
 NCUSIF Deposit 10,934,527
 All Other Assets 155,161
  TOTAL ASSETS 1,810,756,069
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 304,000,000
 Accounts Payable & Other Liabilities 27,619,010
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 126,350,087
 Regular shares 872,149,533
 All Other Shares & Deposits 364,243,991
  TOTAL SHARES & DEPOSITS 1,362,743,611
  TOTAL LIABILITIES 1,694,362,621
 Regular Reserve 0
 Other Reserves -28,513,324
 Undivided Earnings 144,906,772
  TOTAL EQUITY 116,393,448
  TOTAL LIABILITIES, SHARES, & EQUITY 1,810,756,069
INCOME & EXPENSE  
 Loan Income 34,275,206
 Investment Income 7,067,299
 Other Income 2,693,588
 Total Employee Compensation & Benefits 18,423,272
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 14,609,492
 Non-operating Income & (Expense) -5,832
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 5,160,000
 Cost of Funds 6,973,579
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 5,649,051
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