Keypoint CU (CA)

Keypoint CU (CA) is headquartered in Santa Clara and is the 43^rd largest credit union in the state of California. It is also the 263^rd largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to 174 employees and 39,798 members. Keypoint CU (CA)'s savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics KEYPOINT NCUA # 65299 BankRate Report View Year Chartered 1979 Employees 174 Primary Regulator Assets and Liabilities Assets $751.92 million Loans $515.88 million Deposits $678.34 million Equity Capital $64.98 million Loan Loss Allowance $8.70 million Unbacked Noncurrent Loans $9.57 million Real Estate Owned $1.27 million Historic Data - December 2010 Assets $739.23 million Equity Capital $61.49 million Loan Loss Allowance $10.90 million Unbacked Noncurrent Loans $18.89 million Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 0.36% Return on Equity 4.19% Interest Income $30.84 million Non-Interest Income $5.31 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Keypoint CU (CA) had $10.84 million in non-current loans and owned real-estate with $73.68 million in equity and loan loss allowances on hand to cover it. This gives Keypoint CU (CA) a Texas Ratio of 14.71% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Keypoint CU (CA) decreased significantly from 26.09% as of December 31, 2010 to 14.71% as of December 31, 2011, resulting in a positive change of 43.61%.This indicates that the balance sheet and financial strength for Keypoint CU (CA) has improved significantly in recent periods. Deposit Growth In the past year, Keypoint CU (CA) has increased its total deposits by $8.68 million, resulting in 1.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Keypoint CU (CA) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Keypoint CU (CA) has $751.92 million in assets with $73.68 million in equity, resulting in a capitalization level of 9.80%, which is average.