San Jose, California · Peer group 6
Keypoint Credit Union
Keypoint Credit Union holds $1.70B in assets across 55,225 members as of Q1 2026 — about $31K of assets per member, on a charter dating to 1979. Charter number 65299, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.70B |
|---|---|
| Total loans | $1.30B |
| Total shares (deposits) | $1.40B |
| Net worth | $149.0M |
| Members | 55,225 |
| Assets per member | $31K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.6% | |
|---|---|---|
| Loans | 3.7% | around the 45th percentile of its peer group |
| Deposits | 1.3% | around the 22nd percentile of its peer group |
| Members | 2.2% | around the 58th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 92.5% | around the 76th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.0% | around the 15th percentile of its peer group |
| Return on assets | 0.35% | around the 20th percentile of its peer group |
| Delinquency ratio | 0.39% | around the 27th percentile of its peer group |
| Cash / assets | 7.7% | around the 43rd percentile of its peer group |
| Borrowings / assets | 8.2% | around the 87th percentile of its peer group |
What this page does not show
Everything above is Keypoint Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Northrop Grumman Credit Union
Gardena, CA
$1.65B · 83,423 members
- Operating Engineers Local Union #3 Credit Union
LIVERMORE, CA
$1.65B · 121,682 members
- Frontwave Credit Union
Oceanside, CA
$1.76B · 127,939 members
- Coasthills Credit Union
Santa Maria, CA
$1.77B · 83,931 members
- San Francisco Fire Credit Union
San Francisco, CA
$1.60B · 72,998 members
- San Francisco Credit Union
San Francisco, CA
$1.58B · 51,908 members
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