Credit Unions Near Me
National Credit Union Service Organization

KEYPOINT CREDIT UNION
— Statement of Financial Condition

Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more.

Statement of financial condition for KEYPOINT CREDIT UNION as of: June 30, 2024.
Charter Number: 65299

ASSETS$ Amount
CASH:  
 1. Cash on Hand 13,178,560
 2. Cash on Deposit (Amounts Deposited in Financial Institutions) 102,766,193
 3. Cash Equivalents (Investments with Original Maturities of Three Months or Less) 0
INVESTMENTS:  
 4. Equity Securities 1,227,842
 5. Trading Debut Securities 0
 6. Available-for-Sale Debt Securities 227,120,923
 7. Held-to-Maturity Debt Securities 598
 8. Deposits in commercial banks, S&Ls, savings banks 0
 9. Loans to and investments in natural person credit unions 0
 10. Nonperpetual Capital Account 0
 11. Perpetual Contributed Capital 0
 12. All other investments in corporate credit unions 0
 13. All other investments 0
 14. TOTAL INVESTMENTS 0
LOANS HELD FOR SALE:  
 15. Loans Held for Sale 12,156,145
LOANS AND LEASES:  
 16. TOTAL LOANS & LEASES 1,370,331,205
 17. Less: Allowance for Loan & Lease Losses 6,585,014
 18: Less: Allowance for Credit Losses on Loans & Leases 0
OTHER ASSETS:  
 19. Foreclosed and Repossessed Assets 155,161
 20. Land and Building 16,922,502
 21. Other Fixed Assets 4,006,296
 22. NCUA Share Insurance Capitalization Deposit 10,934,527
 23. Intangible Assets 0
 24. Other Assets 0
25. TOTAL ASSETS 1,810,756,069
LIABILITIES$ Amount
 1. Draws Against Lines of Credit 0
 2. Other Notes, Promissory Notes and Interest Payable 304,000,000
 3. Borrowing Repurchase Transactions 0
 4. Subordinated Debt 0
 5. Subordinated Debt included in Net Worth 0
 6. TOTALS 304,000,000
 7. Non-Trading Derivative Liabilities 0
 8. Accrued Dividends & Interest Payable on Shares & Deposits 0
 9. Accounts Payable and Other Liabilities 27,619,010
 10. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures 0
SHARES/DEPOSITS:  
 11. Share Drafts 126,350,087
 12. Regular Shares 872,149,533
 13. Money Market Shares 203,537,004
 14. Share Certificates 129,476,683
 15. IRA/KEOGH Accounts 29,162,742
 16. All Other Shares 2,067,562
 17. TOTAL SHARES 1,362,743,611
 18. Nonmember Deposits 0
 19. TOTAL SHARES AND DEPOSITS 1,362,743,611
20. TOTAL LIABILITIES  
 21. Accounts Held by Member Public Units 0
 22. Accounts Held by Nonmember Public Units 0
 23. Employee Benefit Member Shares 0
 24. Employee Benefit Nonmember Shares 0
 25. 529 Plan Member Deposits 0
 26. Non-dollar denominated deposits 0
 27. Health Savings Account 0
 28. Dollar Amount of Share Certificates equal to or greater than $100,000 (Excluding brokered share certificates participated out by the broker in shares of less than $100,000) 75,412,343
 29. Dollar Amount of IRA/Keogh Accounts equal to or greater than $100,000 10,831,760
 30. Dollar Amount of Share Drafts Swept to Regular Shares or Money Market Accts as part of Sweep Program 455,650,984
 31. Dollar Amount of Commercial Share Accounts 79,506,163
 32. Negative Shares Included in All Other Unsecured Loans/Lines of Credit 149,709
EQUITY:  
 33. Undivided Earnings 144,906,772
 34. Regular Reserves 0
 35. Appropriation for Non-Conforming Investments (State Credit Unions ONLY) 0
 36. Other Reserves.(Appropriations of Undivided Earnings) 0
 37. Equity Acquired in Merger 0
 38. Miscellaneous Equity 0
 39. Other Comprehensive Income (not already included in items 40 - 43) 0
 40. Accumulated Unrealized Net Gains (Losses) on Cash Flow Hedges 0
 41. Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities -28,513,324
 42. Accumulated Unrealized Losses for OTTI (Due to Other Factors) on HTM Debt Securities 0
 43. Net Income (unless this amount is already included in Undivided Earnings) 0
44. TOTAL LIABILITIES, SHARES, AND EQUITY 1,810,756,069
Statement of Income & Expense$ Amount
INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 1. Interest on Loans (Gross-before interest refunds) 34,275,206
 2. (Less) Interest Refunded 0
 3. Income from Investments (Including Interest and Dividends, excluding securities held in a trading account) 7,067,299
 4. Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities 0
 5. TOTAL INTEREST INCOME 41,342,505
INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 6. Dividends on Shares (Includes dividends earned during current period) 1,922,352
 7. Interest on Deposits (Total interest expense for deposit accounts) (State Credit Union ONLY) 0
 8. Interest on Borrowed Money 5,051,227
 9. TOTAL INTEREST EXPENSE 6,973,579
 10. Provision for Loan & Lease Losses 5,160,000
 11. Total Credit Loss Expense 0
 12. NET INTEREST INCOME AFTER PROVISION FOR LOAN AND LEASE LOSSES or CREDIT LOSS EXPENSE 0
NON-INTEREST INCOME YEAR-TO-DATE FOR THE CYCLE  
 13. Fee Income 2,693,588
 14. Other Operating Income (Includes unconsolidated CUSO Income and Gain (Loss) associated with the Hedged Item (NonInvestment Assets) in a Non-Trading, Fair Value (FV) Derivatives Hedge) 0
 15. Gain (Loss) on Equity Securities (DO NOT include Gain (Loss) on other securities) 0
 16. Gain (Loss) on Other Securities (DO NOT include Gain or Loss on Equity Securities) 0
 17. Gain (Loss) on Non-Trading Derivatives 0
 18. Gain (Loss) on Disposition of Fixed Assets 1,500
 19. Gain from Bargain Purchase (Merger) 0
 20. Other Non-operating Income (Expense) -7,332
 21. TOTAL NON-INTEREST INCOME 9,472,889
NON-INTEREST EXPENSE YEAR-TO-DATE FOR THE CYCLE  
 22. Total Employee Compensation and Benefits 18,423,272
 23. Travel and Conference Expense 287,752
 24. Office Occupancy Expense 2,601,645
 25. Office Operations Expense 5,117,362
 26. Educational and Promotional Expenses 1,092,640
 27. Loan Servicing Expense 1,293,719
 28. Professional and Outside Services 3,425,097
 29. Total Member Insurance 0
 30. Operating Fees (Examination and/or supervision fees) 147,798
 31. Miscellaneous Operating Expenses 643,479
 32. TOTAL NON-INTEREST EXPENSE 33,032,764
33. NET INCOME (LOSS) 5,649,051
RESERVE TRANSFERS YEAR-TO-DATE FOR THE CYCLE  
 34. Transfer to Regular Reserves 0
Interest Rate# LoansAmount
Non-Commercial Loans/Lines of Credit
 1. Unsecured Credit Card Loans13.497,044$11,205,744
 2. Payday Alternative Loans (PALs I and PALs II)0.000$0
 3. Non-Federally Guaranteed Student Loans5.666$130,058
 4. All Other Unsecured Loans/Lines of Credit - include SBA PPP loans15.907,403$122,246,333
 5. New Vehicle Loans2.993,765$87,775,389
 6. Used Vehicle Loans3.494,097$69,745,158
 7. Leases Receivable3.37105$4,954,176
 8. All Other Secured Non-Real Estate Loans/Lines of Credit2.992,886$91,647,512
 9. Loans/Lines of Credit Secured by a First Lien on a single 1- to 4- Family Residential Property2.991,424$671,870,329
 10. Loans/Lines of Credit Secured by a Junior Lien on a single 1- to 4- Family Residential Property4.751,769$109,146,823
 11. All Other Real Estate Loans/Lines of Credit7.508$271,564
Commercial Loans / Lines of Credit
 12. Commercial Loans/Lines of Credit Real Estate Secured4.20268$197,896,504
 13. Commercial Loans/Lines of Credit Not Real Estate Secured7.2516$3,441,615
 14. TOTAL LOANS & LEASES28,791$1,370,331,205
YEAR-TO-DATE LOAN INFORMATIONNumberAmount
 15. Loans Granted Year-to-Date6,754$506,567,692
  a. Payday Alternative Loans (PALs I and PALs II) Granted Year-to-Date0$0
MISCELLANEOUS LOAN INFORMATIONNumberAmount
 16. Non-Federally Guaranteed Student Loans in Deferred Status0$0
 17. Loans Outstanding to Credit Union Officials and Senior Executive Staff21$4,790,062
GOVERNMENT GUARANTEED LOANSNumberOutstanding BalanceGuaranteed Portion
 18. Non-Commercial Loans  
  a. 1. Small Business Administration12$460,234$76,827
  a. 2. Paycheck Protection Program Loans (Included in 18.a.1.)1$76,827-
  b. Other Government Guaranteed0$0$0
 19. Commercial Loans  
  a. Small Business Administration60$23,612,853$12,619,885
  b. Other Government Guaranteed0$0$0