Keypoint Credit Union

P.O. Box 87210
Baton Rouge, LA 70879
1.877.777.KEY1 (5391)
www.keypointfcu.com

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Keypoint Credit Union is headquartered in BATON ROUGE and is the 42^nd largest credit union in the state of Louisiana. It is also the 2,382^nd largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 21 employees and 6,633 members. Keypoint Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

4.25% 10-Month CD (4.45% IRA) at KeyPoint Credit Union in California - 11/25/2008

KeyPoint Credit Union has a special 10-month certificate with some competitive yields. The rates vary by minimum deposit, direct deposit and CD type (regular or IRA). Below is the full list 10-month CD rates as of 11/25/08:4.00% APY CD, $25K min4.20% APY...

4.00% 12-Month CD at a California CU - 4.20% IRA (KeyPoint). - 6/11/2008

Update 6/28/08: The CD rates have fallen. Please check the credit union's website for the latest rates.KeyPoint Credit Union is offering a yield of 4.00% APY on its certificates for terms of 12 months and longer. The yield for correspending IRA...

5.50% 11-Month CD at a California CU - 5.70% IRA (KeyPoint) - 11/14/2007

KeyPoint Credit Union is offering a special certificate with terms from 8 to 11 months and yields up to 5.50% APY for regular certificates and up to 5.70% APY for IRA certificates. This requires a minimum deposit of $25k and direct deposit of net pay....

6.00% 11-Month CD at a California CU (KeyPoint) - 9/16/2007

KeyPoint Credit Union is offering a special certificate with terms from 8 to 11 months with a yield up to 6.00% APY. This requires a minimum deposit of $25k and direct deposit of net pay. Without direct deposit, the yield is 0.25% lower which still is a...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Keypoint Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$50	-	KEY Advantage Checking
0.00%	$50	-	CheckPoint Checking
0.00%	$1k	-	Golden KEY Checking
0.00%	$50	-	Business Point Checking

Keypoint Credit Union Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	IRA Share Savings
0.30%	$100	-	Business Share Account
0.30%	$100	-	Share Savings
0.30%	$100	-	Christmas Club
0.30%	-	-	KEYWEE Kid's Club

Keypoint Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.60%	$50k	-	Money Point Account

Keypoint Credit Union CD Rates

Apy	Min	Max	Product
1.88%	$500	-	5 Year CD
1.77%	$500	-	4 Year CD
1.48%	$500	-	3 Year CD
1.15%	$500	-	2 Year CD
0.83%	$500	-	1 Year CD
0.62%	$500	-	6 Month CD

Keypoint Credit Union IRA Rates

Apy	Min	Max	Product
1.88%	$500	-	5 Year IRA
1.77%	$500	-	4 Year IRA
1.48%	$500	-	3 Year IRA
1.15%	$500	-	2 Year IRA
0.83%	$500	-	1 Year IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

KEYPOINT
NCUA #	10367
BankRate Report	View
Year Chartered	1955
Employees	21
Primary Regulator
Assets and Liabilities
Assets	$44.84 million
Loans	$29.33 million
Deposits	$42.09 million
Equity Capital	$2.39 million
Loan Loss Allowance	$659,000
Unbacked Noncurrent Loans	$268,000
Real Estate Owned	$277,000
Historic Data - December 2010
Assets	$49.31 million
Equity Capital	$2.34 million
Loan Loss Allowance	$1.26 million
Unbacked Noncurrent Loans	$812,000
Real Estate Owned	$425,000
Profit Margin - Quarterly
Net Interest Margin	8.18%
Return on Assets	0.55%
Return on Equity	10.26%
Interest Income	$2.76 million
Non-Interest Income	$735,000

Institution Health

Overall Score:

3 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 Credit Union had $545,000 in non-current loans and owned real-estate with $3.05 million in equity and loan loss allowances on hand to cover it. This gives Keypoint Credit Union a Texas Ratio of 17.89% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Keypoint Credit Union decreased significantly from 34.38% as of December 31, 2010 to 17.89% as of December 31, 2011, resulting in a positive change of 47.96%.This indicates that the balance sheet and financial strength for Keypoint Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Keypoint Credit Union has decreased its total deposits by -$4.03 million, resulting in -8.73% 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 Credit Union has shown is poor.
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 Credit Union has $44.84 million in assets with $3.05 million in equity, resulting in a capitalization level of 6.79%, which is below average.