SAN JOSE, CA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
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.
ACCOMPLISHMENT OF EXCELLENT LOAN SERVICES TO MEMBERS AND LOAN PORTFOLIO GROWTH THROUGH THE ORIGINATION OF CONSUMER AND MORTGAGE LOANS.
ACCOMPLISHMENT OF TARGET GOALS IN MEMBER GROWTH (ACQUISITION OF NEW MEMBERS).
MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND MONEY MARKET ACCOUNTS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| 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 |
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