TellerScore

Keypoint Credit Union (NCUA charter #65299) is based in San Jose, California. Its Q2 2026 call report shows $1.7B in total assets and $1.3B in member shares and deposits and 6 offices.

Keypoint Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 181st. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (32/100, 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.06%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity62/100
Loans ÷ shares: 98.4% · 13.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.52%

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 fell 4 points (63 → 59), mostly because the capital cushion component weakened by 4 points.

TellerScore
596265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202460
Q1 202565
Q2 202563
Q3 202562
Q4 202559
Q1 202660
Q2 202659
Net worth ratio
7.00%8.25%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.08%
Q3 20249.11%
Q4 20249.17%
Q1 20259.29%
Q2 20259.49%
Q3 20259.34%
Q4 20259.03%
Q1 20269.00%
Q2 20269.06%
Delinquent loans (60+ days)
0.25%0.33%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.41%
Q4 20240.36%
Q1 20250.25%
Q2 20250.28%
Q3 20250.26%
Q4 20250.34%
Q1 20260.39%
Q2 20260.36%
Return on assets
0.25%0.42%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.35%
Q4 20240.25%
Q1 20250.59%
Q2 20250.38%
Q3 20250.31%
Q4 20250.25%
Q1 20260.35%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.7B9.06%0.36%0.29%98.4%
Q1 202660$1.7B9.00%0.39%0.35%92.5%
Q4 202559$1.7B9.03%0.34%0.25%94.8%
Q3 202562$1.6B9.34%0.26%0.31%92.9%
Q2 202563$1.6B9.49%0.28%0.38%93.9%
Q1 202565$1.6B9.29%0.25%0.59%90.3%
Q4 202460$1.6B9.17%0.36%0.25%92.9%
Q3 202460$1.7B9.11%0.41%0.35%94.8%
Q2 202461$1.7B9.08%0.30%0.38%95.8%

454 peers · $1 billion – $10 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 ratio9.06%
11th
Problem loans0.36%
84th
Net charge-offs0.55%
46th
Return on assets0.29%
11th
Loans to deposits98.4%
19th
Uninsured deposits13.8%
17th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
68th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Northrop Grumman Federal Credit UnionCredit union Gardena, CA53 out of 100, Below average$1.6B9.1%1.62%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Francisco Fire Credit UnionCredit union San Francisco, CA70 out of 100, Strong$1.6B10.7%0.54%vs
Frontwave Credit UnionCredit union Oceanside, CA62 out of 100, Moderate$1.7B9.1%0.81%vs
Coasthills Federal Credit UnionCredit union Santa Maria, CA51 out of 100, Below average$1.8B8.0%0.67%vs

Deposit insurance

Is my money safe at Keypoint Credit Union?

Yes. Keypoint Credit Union is a federally insured credit union (NCUA charter #65299). 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 13.8% of shares and deposits ($186.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Keypoint Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Keypoint Credit Union reported 537 home-loan applications under HMDA (LEI 549300DT7CCDCC7O6Z60): 361 originated ($120,415,000 total), 83 denied, and 86 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Keypoint Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65299
RSSD ID
550091
Primary regulator
State + NCUA
Established
1979
Headquarters
2150 Trade Zone Blvd, San Jose, CA 95131
Employees
183

Quick answers

Keypoint Credit Union: common questions

Is Keypoint Credit Union NCUA insured?

Yes. Keypoint Credit Union is a federally insured credit union (NCUA charter #65299). 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 Keypoint Credit Union's TellerScore?

59 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 Keypoint Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Jose

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
F3 Credit UnionCredit union San Jose, CA80 out of 100, Strong$236.8M18.5%1.05%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Star One Credit UnionCredit union Sunnyvale, CA77 out of 100, Strong$9.7B14.1%0.13%vs