Keypoint
Keypoint is a credit union based in San Jose, California, established in 1979, with $1.7 billion in total assets serving 55,225 members. By Trust Grade it ranks 180th of 241 credit unions we track in California. Its net worth ratio of 9.0% trails most similarly sized credit unions (12th percentile), versus a California median of 11.1%. It was profitable over the most recent period, with a 0.35% return on assets. No consumer complaints against Keypoint appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Keypoint compares to California peers
How we graded Keypoint
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.0% capital ratio)
- Profitable (ROA 0.35%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Keypoint over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Keypoint insured?
Yes. Keypoint is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Keypoint: frequently asked questions
Is Keypoint a good credit union?
Keypoint earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (9.0% capital ratio); Profitable (ROA 0.35%).
Is Keypoint NCUA-insured?
Yes. Keypoint is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Keypoint?
Keypoint holds $1.7 billion in total assets, ranking 180th of 241 credit unions we track in California. It serves 55,225 members.
Does Keypoint have CFPB complaints?
No CFPB complaints against Keypoint appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
