Charter 65299 · San Jose, CA
KeyPoint Credit Union
KeyPoint Credit Union is a state-chartered credit union in San Jose, California, with $1.65 billion in assets and 55,581 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.06%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as KPCU.com, KeyPoint Financial Services, keypointfinancialservices.com.
- Total assets
- $1.65 billion
- +3.6% in a year
- Members
- 55,581
- +2.5% in a year
- Net worth ratio
- 9.06%
- Peer median 10.79%
- Loans 60+ days late
- 0.36%
- Peer median 0.67%
- Loans outstanding
- $1.32 billion
- +5.3% in a year
- Shares and deposits
- $1.34 billion
- +0.5% in a year
- Branches
- 7
- 183 employees
- Opened
- 1979
- California charter
How KeyPoint Credit Union compares
NCUA groups credit unions by size; KeyPoint Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.06% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.36%, is lower than the group median of 0.67%. Loans grew 5.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 42 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.65 billion | 55,581 | $1.32 billion | 9.06% | 0.36% |
| Q1 2026 | $1.70 billion | 55,225 | $1.30 billion | 9.00% | 0.39% |
| Q4 2025 | $1.68 billion | 54,664 | $1.30 billion | 9.03% | 0.34% |
| Q3 2025 | $1.65 billion | 54,791 | $1.27 billion | 9.34% | 0.26% |
| Q2 2025 | $1.60 billion | 54,244 | $1.26 billion | 9.49% | 0.28% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 6.7 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for KeyPoint Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Goleta branch
7062 Market Place Dr, Goleta, CA 93117 - Brokaw Commons Branch
1055 E Brokaw Rd, San Jose, CA 95131 - Santa Clara Branch
3556 La Rambla Ave, Santa Clara, CA 95051 - Cupertino Branch
10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 - Milpitas Town Center Branch
573 E Calaveras Blvd, Milpitas, CA 95035 - San Jose (main office)
2150 Trade Zone Blvd, San Jose, CA 95131 - Dublin
7901 Amador Valley Blvd, Dublin, CA 94568 - Santa Teresa Branch
7030 Santa Teresa Blvd, San Jose, CA 95139
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology