Civic Intelligence

Keypoint Credit Union

990 • Fiscal year 2014 • EIN 94-2600376

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 06, 2015

Organization ProfileWWW.KPCU.COM

View Organization Page

2805 Bowers AvenueSanta Clara, CA 95051

(408) 731-4100

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

77th percentile

21.68x

Higher debt load relative to revenue than 77% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

58th percentile

16%

Higher net margin than 58% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

86th percentile

$669,769

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

78th percentile

8.5%

Faster asset growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

93rd percentile

16%

Faster revenue growth than 93% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$939,225,533

Up $73,335,327 (+8.5%) from 2013

Net Assets

Up

$78,301,601

Up $9,128,722 (+13%) from 2013

Liabilities

Up

$860,923,932

Up $64,206,605 (+8.1%) from 2013

Revenue And Expenses
Liabilities / Revenue77th percentileNet Margin58th percentile

Revenue

Up

$39,703,126

Up $5,415,479 (+16%) from 2013

Expenses

Up

$33,338,726

Up $3,358,718 (+11%) from 2013

Net Income

Up

$6,364,400

Up $2,056,761 (+48%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth78th 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

2014

Assets$939,225,533
Liabilities$860,923,932
Net Assets$78,301,601
Open 2014 Filing

Operations Trend

Revenue Growth93rd percentile

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

2014

Revenue$39,703,126
Expenses$33,338,726
Net Income$6,364,400
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 6, 2015
Return Version
2014v5.0
Gross Receipts
$39,737,298
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
Other Notes and Loans Receivable, Net-$766,793,026-
Investments Program Related$727,351,178--
Rtn Earn Endowment Incm Other Fnds$69,172,879$78,301,601▲ $9,128,722
Investments in Publicly Traded Securities$86,008,424$70,878,584▼ $15,129,840
Investments Other Securities-$41,916,351-
Savings and Temporary Cash Investments$20,456,825$18,311,213▼ $2,145,612
Land, Buildings, and Equipment, Net$14,480,997$15,405,467▲ $924,470
Cash and Non-Interest-Bearing Accounts$8,856,843$8,195,510▼ $661,333
Prepaid Expenses and Deferred Charges$1,069,072$3,907,693▲ $2,838,621
Receivables From Officers Etc$40,289$669,901▲ $629,612
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$865,890,206$939,225,533▲ $73,335,327
Other Assets Total$7,626,578$13,147,788▲ $5,521,210
Liabilities
Other Liabilities$787,710,051$801,444,725▲ $13,734,674
Mortgage Notes Payable Secured by Investment Property$0$50,000,000▲ $50,000,000
Accounts Payable and Accrued Expenses$9,007,276$9,438,525▲ $431,249
Deferred Revenue$0$40,682▲ $40,682
Total Liabilities$796,717,327$860,923,932▲ $64,206,605
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,172,879$78,301,601▲ $9,128,722
Total Liabilities and Net Assets / Fund Balance$865,890,206$939,225,533▲ $73,335,327

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,991,177$12,071,225$15,062,402
Buildings$5,516,970$2,420,847$7,937,817
Land$6,000,000-$6,000,000
Leasehold Improvements$897,320$1,360,392$2,257,712
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ted CanfieldPresident/chief Executive OfficerFT$334,385$335,384$669,769
Faye NabhaniChief Lending OfficerFT$200,274$76,200$276,474
Samuel TuoheyChief Operating OfficerFT$228,799$41,966$270,765
Timothy GreenChief Finance OfficerFT$221,493$30,036$251,529
Helen GraysSVP Business and Community DevelopmentFT$211,457$25,165$236,622
Helen GraysSVP Business and Community Developme-$160,689$75,933$236,622
Leslie Jeffries 114-914Chief Information OfficerFT$132,555$97,036$229,591
Steven WeilerSVP Commercial BankingFT$178,548$49,616$228,164
Douglas SchrockVP FinanceFT$142,639$80,288$222,927
Leeanne GiblinSVP Human ResourcesFT$172,750$48,850$221,600
Lawrence ScoffieldVP Corporate AdminFT$146,386$66,178$212,564
Arie ElkinsVP It InfrastructureFT$125,806$73,851$199,657
Victor SmilgysVP It EservicesFT$142,854$49,558$192,412
Dash McelroyOsi System ManagerFT$122,054$50,077$172,131
Tisha HartmanDirector Real Estate LendingFT$132,451$28,006$160,457
Kevin ArmstrongDirector Consumer LendingFT$117,569$39,086$156,655
Jeff AanaCommercial Real Estate Sales ManagerFT$102,557$50,286$152,843
Michael IvezicVP AuditFT$136,512$12,889$149,401
Lori HardingVP Branch OperationsFT$124,342$17,453$141,795
Omar HilarioHelpdesk Support ManagerFT$127,883$6,955$134,838
Rick PakVP Sba/division Mgr (1/14-7/14)FT$118,060$4,841$122,901
Suzanne CarlisleSVP Hr / Corporate Svcs (1/14)FT$83,012$417$83,429

Board Members and Trustees

NameTitle
Rober LernerChairperson
John TomVice Chairperson
Adam CorkinsBoard Member
Baljinder SandhuBoard Member
Bunninder FalakBoard Member
Dinesh BettadapurBoard Member
Gregory EbyBoard Member
Keith StattenfieldBoard Member
Mary VetranoBoard Secretary
Suzanne RakowBoard Secretary, Board Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Open Solutions LLCAccount Processing Services255 FISERV DR, Brookfield, WI 53045$1,621,374
CallogixTelephone Answering Services540 N COMMERCIAL ST, Manchester, NH 03101$827,659
FiservAccount Processing Services255 FISERV DR, Brookfield, WI 53045$460,646
Diebold Global Finance CorporationAtm Services5995 MAYFAIR ROAD, North Canton, OH 44720$399,056
Gt Jordan Electric INCElectrical Contractor Services963 CHESTNUT STREET, San Jose, CA 95110$337,107
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,797,204
Investment Income
$2,854,314
Other Revenue
$51,608
Change in Net Assets
$6,364,400
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$17,226,625
Other Expenses$16,107,101
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,682,061
Current Officers, Directors, Trustees, and Key Employees---$3,696,925
Fees for Services Other---$2,970,005
Occupancy---$2,223,990
Office Expenses---$1,919,325
Interest---$1,721,676
Depreciation Depletion---$1,523,841
Other Employee Benefits---$1,496,264
Payroll Taxes---$1,083,259
All Other Expenses---$1,080,384
Information Technology---$958,765
Advertising---$899,049
Conferences and Meetings---$379,192
Pension Plan Contributions---$268,116
Fees for Services Accounting---$100,570
Fees for Services Legal---$99,182
Travel---$36,543
Grants to Domestic Orgs---$5,000
Other Expenses---$2,075
Total Functional Expenses$0$0$0$33,338,726
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
Total Exempt Function Spending$4,048

Section 527 Organizations

OrganizationLocationAmount
94-0357265Ontario, CA$4,048
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$40,289$669,901▲ $629,612
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES$797,123,346
Other Miscellaneous Liabilities$4,321,379
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 of three years and until their successors shall have been elected.”

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

“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. 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 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 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

Filer Name
Keypoint Credit Union
EIN
94-2600376
Phone
4087314100
Address
2805 BOWERS AVENUE, SANTA CLARA, CA 95051

Signing Officer

Name
Timothy Green
Title
CFO
Phone
4087314100
Signed
2015-11-06
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
240
Volunteers
12

Preparer

Firm
Moss Adams Llp
Address
101 SECOND STREET SUITE 900, SAN FRANCISCO, CA 94105
Preparer
Wendy Campos
Phone
4159561500
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Book to tax difference in investment income -43,907.”

Financial Statement Notes

PART X, LINE 2:

“Income taxes - the credit union is exempt by statute from federal and state income taxes, except for taxes on unrelated business income, as further discussed in note 11. The credit union's wholly owned subsidiaries are taxable entities, and income taxes related to subsidiaries for 2014 and 2013 were not material to the consolidated financial statements and are included in other operating expenses in the accompanying consolidated statements of income. 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 tax expenses and liabilities in the current year. For the years ended december 31, 2014 and 2013, 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 tax years before 2008.”

Raw XML AppendixShowing 400 of 966 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY, BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP BUSINESS AND COMMUNITY DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP COMMERCIAL BANKING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP CORPORATE ADMIN
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP IT ESERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP IT INFRASTRUCTURE
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP SBA/DIVISION MGR (1/14-7/14)
IRS990/Form990PartVIISectionAGrp/TitleTxt25SVP HR / CORPORATE SVCS (1/14)
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR REAL ESTATE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt28OSI SYSTEM MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt29COMMERCIAL REAL ESTATE SALES MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt30HELPDESK SUPPORT MANAGER
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IRS990/MissionDesc0KEYPOINT 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.
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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$939,225,533
Liabilities
$860,923,932
Net assets
$78,301,601
Revenue
$39,703,126
Expenses
$33,338,726
Net income
$6,364,400
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