KEYPOINT CREDIT UNION (EIN 942600376) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1979

Legal Domicile

Principal Officer

T BRADFORD CANFIELD

Phone

4087314100

Tax Period

2023-01-01 to 2023-12-31

KEYPOINT CREDIT UNION, founded in 1979, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $75.9M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $70.5M left a modest 7% surplus.

Mission

A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $65,431,008

Investment Income $10,437,861

Other Revenue $54,940

TOTAL REVENUE $75,923,809

Expense Breakdown

Grants Paid $36,309

Salaries & Benefits $24,980,661

Fundraising Expenses $0

Other Expenses $34,229,168

TOTAL EXPENSES $70,460,546

Year-over-Year Comparison

	2023	2022	Change
Revenue	$75,923,809	$69,312,506	+0.1%
Expenses	$70,460,546	$62,512,294	+0.1%
Net Income	$5,463,263	$6,800,212	-0.2%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

218

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$3,262,819

Total Directors

Key Employees

$2,724,327

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
T BRADFORD CANFIELD	PRESIDENT & CEO	50.00	Officer	$881,375	$28,777	$910,152
DAVID LUU	CHIEF OP & LENDING OFFICER	50.00	Officer	$540,485	$174,439	$714,924
LEE ANNE GIBLIN	CHIEF ADMINISTRATIVE OFFICER	50.00	Officer	$442,320	$129,645	$571,965
ANDREW MANNING	CHIEF INFORMATION OFFICER	50.00	Officer	$434,092	$135,627	$569,719
JOHN CALADIM	CFO (THRU 11/2/2023)	50.00	Officer	$297,452	$27,266	$324,718
MARSHA BERLINSKI	SVP SALES & RETAIL LENDING	50.00	Key Emp	$281,330	$27,420	$308,750
PHUOC NGO	DIRECTOR IT INFRASTRUCTURE	40.00	Highest	$238,509	$34,787	$273,296
ARIE ELKINS	VP CHIEF INFO SECURITY OFFICER	50.00	Key Emp	$236,893	$34,282	$271,175
HERMAN WHITE	VP COMMERCIAL BANKING OPERATIONS	50.00	Key Emp	$248,841	$16,408	$265,249
JOSHUA HERZOG	VP OPERATIONS AND MEMBER EXPERIENCE	50.00	Key Emp	$226,260	$33,981	$260,241
VICTOR SMILGYS	VP DIGITAL SERVICES	50.00	Key Emp	$227,517	$26,377	$253,894
LAWRENCE SCOFFIELD	VP CORPORATE ADMIN	50.00	Key Emp	$225,793	$26,246	$252,039
STEVEN WEILER	SVP COMMERCIAL BANKING	50.00	Key Emp	$224,391	$15,514	$239,905
DORON NOYMAN	VP, BD & COMMUNITY RELATIONS	50.00	Key Emp	$198,428	$36,077	$234,505
DASHIELL MCELROY	DIRECTOR OF CORE SOLUTIONS	40.00	Highest	$204,615	$29,859	$234,474
SARAH SOTELO	DIRECTOR OF RETAIL PROGRAM ADMIN	40.00	Highest	$193,746	$32,912	$226,658
LANCE NELSON	DIRECTOR OF LOAN SERVICING	40.00	Highest	$193,105	$32,822	$225,927
ANITA DOMONDON	VP RE LENDING	50.00	Key Emp	$204,987	$15,921	$220,908
KULVINDER SAINI	DIRECTOR OF RISK MANAGEMENT	40.00	Highest	$189,853	$29,144	$218,997
DAVID GREENE	VP MARKETING	50.00	Key Emp	$181,836	$27,549	$209,385
DOUGLAS SCHROCK	VP FINANCE (THRU 4/29/2023)	50.00	Key Emp	$173,118	$35,158	$208,276
ANNIE SONG	CHIEF FINANCIAL OFFICER	50.00	Officer	$158,943	$12,398	$171,341
GARY GARCIA	CHAIRPERSON	5.00	Officer Director	$0	$0	$0
KEITH STATTENFIELD	VICE CHAIRPERSON	5.00	Officer Director	$0	$0	$0
MARY BENNION	SECRETARY & TREASURER	5.00	Officer Director	$0	$0	$0
ANDREA SICILIANO	DIRECTOR	5.00	Director	$0	$0	$0
BALJINDER SANDHU	DIRECTOR	5.00	Director	$0	$0	$0
BRICE HARRISON	DIRECTOR (THRU 4/30/2023)	5.00	Director	$0	$0	$0
GEORGE LIN	DIRECTOR	5.00	Director	$0	$0	$0
GREGORY EBY	DIRECTOR	5.00	Director	$0	$0	$0
JOHN TOM	DIRECTOR	5.00	Director	$0	$0	$0
LESLIE GUIDICE	DIRECTOR (THRU 1/26/2023)	5.00	Director	$0	$0	$0
LINDA CHEW	DIRECTOR (THRU 4/23/2023)	5.00	Director	$0	$0	$0
MARSHA POENISH	DIRECTOR	5.00	Director	$0	$0	$0
ROBERT LERNER	DIRECTOR	5.00	Director	$0	$0	$0
TRACY WINGROVE	DIRECTOR (THRU 4/27/2023)	5.00	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$75,923,809	$70,460,546	$1,679,667,006	$5,463,263
2022	$69,312,506	$62,512,294	$1,806,959,309	$6,800,212
2021	$79,301,836	$51,441,704	$1,639,289,410	$27,860,132
2020	$51,308,722	$48,833,778	$1,496,633,127	$2,474,944
2019	$55,987,067	$52,479,549	$1,295,433,092	$3,507,518
2018	$60,051,027	$52,144,189	$1,287,458,904	$7,906,838

KEYPOINT CREDIT UNION