Civic Intelligence

Keypoint Credit Union

990 • Fiscal year 2013 • EIN 94-2600376

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 12, 2014

Organization ProfileWWW.KPCU.COM

View Organization Page

2805 Bowers Avenue95051

(408) 731-4100

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

87th percentile

23.24x

Higher debt load relative to revenue than 87% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

40th percentile

13%

Higher net margin than 40% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

73rd percentile

$454,724

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

87th percentile

10%

Faster asset growth than 87% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$865,890,206

Up $80,261,846 (+10%) from 2012

Net Assets

Up

$69,172,879

Up $2,184,538 (+3.3%) from 2012

Liabilities

Up

$796,717,327

Up $78,077,308 (+11%) from 2012

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin40th percentile

Revenue

$34,287,647

No earlier filing loaded for comparison.

Expenses

Down

$29,980,008

Down $631,375 (-2.1%) from 2012

Net Income

$4,307,639

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$2.0B$1.5B$1.0B$500M$0Assets 2010: $739,233,904Liabilities 2010: $677,743,148Net Assets 2010: $61,490,7562010Assets 2011: $751,916,749Liabilities 2011: $686,934,036Net Assets 2011: $64,982,7132011Assets 2012: $785,628,360Liabilities 2012: $718,640,019Net Assets 2012: $66,988,3412012Assets 2013: $865,890,206Liabilities 2013: $796,717,327Net Assets 2013: $69,172,8792013Assets 2014: $939,225,533Liabilities 2014: $860,923,932Net Assets 2014: $78,301,6012014Assets 2015: $1,007,159,964Liabilities 2015: $923,123,725Net Assets 2015: $84,036,2392015Assets 2016: $1,070,888,231Liabilities 2016: $980,552,795Net Assets 2016: $90,335,4362016Assets 2017: $1,200,503,152Liabilities 2017: $1,105,725,189Net Assets 2017: $94,777,9632017Assets 2018: $1,287,458,904Liabilities 2018: $1,185,792,728Net Assets 2018: $101,666,1762018Assets 2019: $1,295,433,092Liabilities 2019: $1,186,653,340Net Assets 2019: $108,779,7522019Assets 2020: $1,496,633,127Liabilities 2020: $1,382,499,763Net Assets 2020: $114,133,3642020Assets 2021: $1,639,289,410Liabilities 2021: $1,503,576,834Net Assets 2021: $135,712,5762021Assets 2022: $1,806,959,309Liabilities 2022: $1,689,747,484Net Assets 2022: $117,211,8252022Assets 2023: $1,679,667,006Liabilities 2023: $1,570,897,171Net Assets 2023: $108,769,8352023Assets 2024: $1,602,390,335Liabilities 2024: $1,486,591,497Net Assets 2024: $115,798,8382024

Highlighted filing

2013

Assets$865,890,206
Liabilities$796,717,327
Net Assets$69,172,879
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$100M$50M$0Expenses 2010: $36,086,5552010Expenses 2011: $33,581,0272011Expenses 2012: $30,611,3832012Revenue 2013: $34,287,647Expenses 2013: $29,980,008Net Income 2013: $4,307,6392013Revenue 2014: $39,703,126Expenses 2014: $33,338,726Net Income 2014: $6,364,4002014Revenue 2015: $41,967,037Expenses 2015: $35,657,021Net Income 2015: $6,310,0162015Revenue 2016: $44,715,217Expenses 2016: $36,614,401Net Income 2016: $8,100,8162016Revenue 2017: $48,882,984Expenses 2017: $43,974,852Net Income 2017: $4,908,1322017Revenue 2018: $60,051,027Expenses 2018: $52,144,189Net Income 2018: $7,906,8382018Revenue 2019: $55,987,067Expenses 2019: $52,479,549Net Income 2019: $3,507,5182019Revenue 2020: $51,308,722Expenses 2020: $48,833,778Net Income 2020: $2,474,9442020Revenue 2021: $79,301,836Expenses 2021: $51,441,704Net Income 2021: $27,860,1322021Revenue 2022: $69,312,506Expenses 2022: $62,512,294Net Income 2022: $6,800,2122022Revenue 2023: $75,923,809Expenses 2023: $70,460,546Net Income 2023: $5,463,2632023Revenue 2024: $80,303,046Expenses 2024: $76,254,114Net Income 2024: $4,048,9322024

Highlighted filing

2013

Revenue$34,287,647
Expenses$29,980,008
Net Income$4,307,639
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.0
Gross Receipts
$44,865,707
Mission and Program Overview

Mission

Keypoint credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at competitive rates of interest, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, keypoint credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members as patrons.

A cooperative, organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$572,951,168$727,351,178▲ $154,400,010
Investments in Publicly Traded Securities$106,444,893$86,008,424▼ $20,436,469
Rtn Earn Endowment Incm Other Fnds$66,988,341$69,172,879▲ $2,184,538
Savings and Temporary Cash Investments$78,202,569$20,456,825▼ $57,745,744
Land, Buildings, and Equipment, Net$13,634,007$14,480,997▲ $846,990
Cash and Non-Interest-Bearing Accounts$6,056,036$8,856,843▲ $2,800,807
Prepaid Expenses and Deferred Charges$1,080,783$1,069,072▼ $11,711
Receivables From Officers Etc$78,922$40,289▼ $38,633
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$785,628,360$865,890,206▲ $80,261,846
Other Assets Total$7,179,982$7,626,578▲ $446,596
Liabilities
Other Liabilities$709,579,793$787,710,051▲ $78,130,258
Accounts Payable and Accrued Expenses$9,060,226$9,007,276▼ $52,950
Total Liabilities$718,640,019$796,717,327▲ $78,077,308
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,988,341$69,172,879▲ $2,184,538
Total Liabilities and Net Assets / Fund Balance$785,628,360$865,890,206▲ $80,261,846

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,699,081$11,128,041$13,827,122
Buildings$4,662,554$2,033,436$6,695,990
Land$6,000,000-$6,000,000
Leasehold Improvements$1,119,362$1,176,723$2,296,085
Investment Program Related Org$23,644,454--
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Canfield TedPresident/CEOFT$296,737$157,987$454,724
Herrick JohnCFO (former)FT$134,631$126,255$260,886
Jeffries LeslieChief Information OfficerFT$188,787$36,896$225,683
Nabhani FayeChief Lending OfficerFT$172,534$51,600$224,134
Grays HelenSVP Member StrategiesFT$173,612$33,990$207,602
Carlisle SuzanneSVP Hr/corporate AdminFT$167,575$39,801$207,376
Weiler StevenSVP Commercial LendingFT$160,536$21,007$181,543
Schrock DouglasVP FinanceFT$136,754$44,385$181,139
Scofield LawrenceVP Corporate AdminFT$142,159$38,100$180,259
Smilgys VictorVP It ServicesFT$137,278$23,945$161,223
Elkins ArieVP It InfrastructureFT$126,671$31,784$158,455
Mcelroy DashOsi System ManagerFT$120,113$25,746$145,859
Armstrong KevinDirector Consumer LendingFT$127,772$13,185$140,957
Ivezic MichaelVP AuditFT$116,407$12,811$129,218
Baker DonnaProduct & Ops SpecialistFT$116,696$10,529$127,225
Chen Shiou-linDirector of Fp&aFT$112,000$13,308$125,308
Hartman TishaDirector Re LendingFT$111,058$6,033$117,091
Lopez StephenVP Account OperationsFT$100,997$5,718$106,715
Tuoney SamuelChief Operating OfficerFT$84,952$3,746$88,698
Pak RickVP Sba/divisionFT$48,364$829$49,193
Green TimothyCFOFT$39,715$1,330$41,045

Board Members and Trustees

NameTitle
Lerner RobertChairperson
Falak BunninderSupv Cmte Chairperson
Tom JohnVice-chairperson
Norris WayneAssociate Director
Vani KirthiAssociate Director
Bettadapur DineshBoard Member
Corkins AdamBoard Member
Eby GregBoard Member
Parsons KarenBoard Member
Sandhu BaljinderBoard Member
Stattentfield KeithBoard Member
Rakow SuzanneBoard Secretary
Garcia GarySupv Cmte Member
Vetrano MarySupv Cmte Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,398,110
Investment Income
$1,430,088
Other Revenue
$1,459,449
Change in Net Assets
$4,307,639
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$15,211,266
Salaries, Compensation, and Employee Benefits$14,752,112
Grants and Similar Amounts Paid$16,630
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,928,835
Current Officers, Directors, Trustees, and Key Employees---$3,121,221
Fees for Services Other---$2,864,339
Information Technology---$2,844,512
Occupancy---$1,961,723
Office Expenses---$1,533,562
Other Employee Benefits---$1,485,620
Interest---$1,409,757
Depreciation Depletion---$1,269,357
Payroll Taxes---$964,278
Advertising---$835,498
Insurance---$772,332
Travel---$310,423
Pension Plan Contributions---$252,158
Fees for Services Legal---$144,321
Fees for Services Accounting---$84,490
Other Expenses---$74,740
Grants to Domestic Orgs---$16,630
Total Functional Expenses$0$0$0$29,980,008
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
77-0481924-501(c)(3)To Strengthen Language and Literacy Skills of Children$10,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$6,000
Total Exempt Function Spending$6,000

Section 527 Organizations

OrganizationLocationAmount
94-0357265-$6,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$78,922$40,289▼ $38,633
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$742,710,051
Draws Against Lines of Credit$45,000,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Keypoint credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. The credit union does not have stockholders.”

Form 990, Part VI, Section A, Line 7A

“The governing board of keypoint credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”

Form 990, Part VI, Section A, Line 7B

“At the end of each term of the board members, elections are held and board members are voted by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”

Form 990, Part VI, Section B, Line 11

“The full board reviewed the 990 prior to submission to the irs.”

Form 990, Part VI, Section B, Line 12C

“For the enforcement of the conflict of interest policy, the internal auditor reviews account activity for all directors, volunteers, and employees and their interests. In addition, the accounts payable system is reviewed to ensure propriety of any potential conflicts of interest as applicable. The credit union also maintains a policy that no immediate family members of the board of directors or supervisory committee members may become employees of the credit union until two years have elapsed since their volunteer service with the credit union ended. The credit union does allow directors, volunteers and employees to apply for loans that the credit union offers to its membership. All loan applications for vice-presidents and above, volunteers and board members require the approval of the board of directors. Directors are restricted from participating in the deliberations and voting in a transaction that pertains to them. Form 990, part vi section b , line 12b: per the credit union's conflict of interest policy, directors, volunteers and employees are required to disclose their interests that could give rise to conflicts of interest. The policy was most recently reviewed and approved by the board of directors on october 27, 2011.”

Form 990, Part VI, Section B, Line 15

“The compensation of the ceo is determined by the compensation committee of the credit union. All vp positions and above are reviewed for market place compensation and salary ranges are recommended for adjustment based on survey information. The ceo approves the recommendation for salary structure change. After a performance review is written and rating is determined, a merit increase is set by the formula of where the individual falls into the range and performance level. The recommendation for merit increase is approved overall by the individual department vp or evp. The overall group is approved by the ceo.”

Form 990, Part VI, Section C, Line 18

“Requests to inspect the form 990 are channeled through the finance department of the credit union. The records are made available for inspection at the headquarters office.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are not made available to the public. Financial statements are posted in the branch offices monthly.”

Filing and Contact Details

Filer

EIN
94-2600376
Phone
4087314100

Signing Officer

Name
Timothy Green
Title
CFO
Phone
4087314100
Signed
2014-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
T Bradford Canfield
Formed
1979
Legal Domicile
CA
Voting Board Members
9
Independent Board Members
9
Employees
210
Volunteers
12

Preparer

Preparer
Valentino Creus CPA
Phone
8189549700
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization has a committee that assumes responsbility for oversight of the audit, review, or compilation of its financial statement and selection of an independent accountant.”

Financial Statement Notes

PART X, LINE 2:

“Financial accounting standards board ("fasb") accounting standards codification ("asc") 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more likely than not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2013 and 2012, management has determined that there are no material uncertain tax positions and, accordingly, has not recorded a liability for the payment of interest or penalties. The credit union is not subject to examination by u.s. Federal and state tax authorities for the tax years before 2007.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt10ASSOCIATE DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPV CMTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13SUPV CMTE MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt15CFO (FORMER)
IRS990/Form990PartVIISectionAGrp/TitleTxt16CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt18CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP HR/CORPORATE ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP MEMBER STRATEGIES
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP CORPORATE ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP IT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP IT INFRASTRUCTURE
IRS990/Form990PartVIISectionAGrp/TitleTxt26VP AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt27VP ACCOUNT OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt28CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt29VP SBA/DIVISION
IRS990/Form990PartVIISectionAGrp/TitleTxt30DIRECTOR CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt31OSI SYSTEM MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt32PRODUCT & OPS SPECIALIST
IRS990/Form990PartVIISectionAGrp/TitleTxt33DIRECTOR OF FP&A
IRS990/Form990PartVIISectionAGrp/TitleTxt34DIRECTOR RE LENDING
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt157947

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$865,890,206
Liabilities
$796,717,327
Net assets
$69,172,879
Revenue
$34,287,647
Expenses
$29,980,008
Net income
$4,307,639
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,602$1,487$116$80.3$76.3$4.05
2023Detailed filing. Detailed filing data is available for this year.$1,680$1,571$109$75.9$70.5$5.46
2022Detailed filing. Detailed filing data is available for this year.$1,807$1,690$117$69.3$62.5$6.80
2021Detailed filing. Detailed filing data is available for this year.$1,639$1,504$136$79.3$51.4$27.9
2020Detailed filing. Detailed filing data is available for this year.$1,497$1,382$114$51.3$48.8$2.47
2019Detailed filing. Detailed filing data is available for this year.$1,295$1,187$109$56.0$52.5$3.51
2018Detailed filing. Detailed filing data is available for this year.$1,287$1,186$102$60.1$52.1$7.91
2017Detailed filing. Detailed filing data is available for this year.$1,201$1,106$94.8$48.9$44.0$4.91
2016Detailed filing. Detailed filing data is available for this year.$1,071$981$90.3$44.7$36.6$8.10
2015Detailed filing. Detailed filing data is available for this year.$1,007$923$84.0$42.0$35.7$6.31
2014Detailed filing. Detailed filing data is available for this year.$939$861$78.3$39.7$33.3$6.36
2013Detailed filing. Detailed filing data is available for this year.$866$797$69.2$34.3$30.0$4.31
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$786$719$67.0$30.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$752$687$65.0$33.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$739$678$61.5$36.1