Nonprofit · EIN 94-2600376
KEYPOINT CREDIT UNION
Tax-exempt · SAN JOSE, CA 95131
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $80,303,046 | $76,254,114 | $4,048,932 | $1,602,390,335 | $1,486,591,497 | $115,798,838 |
| December 31, 2023 | 990 | $75,923,809 | $70,460,546 | $5,463,263 | $1,679,667,006 | $1,570,897,171 | $108,769,835 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $69,167,186
- Investment income
- $11,168,008
- Net rental income
- -$32,148
- Net gain from sales of assets
- -$14,284
- Other revenue
- -$32,148
Expenses
- Grants and similar amounts paid
- $98,565
- Benefits paid to members
- $22,057,614
- Compensation of officers, directors and key employees
- $5,332,207
- Other salaries and wages
- $16,551,275
- Salaries, compensation and benefits (total)
- $26,443,033
- Professional fundraising fees
- $0
- Legal fees
- $366,366
- Accounting fees
- $350,478
- Occupancy
- $1,793,441
- Travel
- $370,554
- Depreciation
- $1,507,631
Balance sheet and other
- Total assets, start of year
- $1,679,667,006
- Total assets, end of year
- $1,602,390,335
- Total liabilities, end of year
- $1,486,591,497
- Net assets, end of year
- $115,798,838
- Land, buildings and equipment
- $21,587,882
- Publicly traded securities
- $180,969,275
- Gross unrelated business income
- $1,123,401
- Gross receipts
- $95,127,788
- Employees
- 201
- Volunteers
- 10
- Year formed
- 1979
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| T BRADFORD CANFIELD | PRESIDENT & CEO Officer | 50 | $891,320 | $31,989 |
| DAVID LUU | EVP/CHIEF OP & LENDING OFFICER Officer | 50 | $471,346 | $173,825 |
| LEE ANNE GIBLIN | CHIEF ADMINISTRATIVE OFFIC Officer | 50 | $403,090 | $133,251 |
| ANDREW MANNING | CHIEF INFORMATION OFFICER Officer | 50 | $385,928 | $135,685 |
| NATASHA V ESCARENO | FINANCIAL ADVISOR Highest-paid employee | 50 | $409,834 | $25,931 |
| ANNIE SONG | CHIEF FINANCIAL OFFICER Officer | 50 | $337,488 | $19,325 |
| MARSHA BERLINSKI | SVP SALES & RETAIL LENDING Key employee | 50 | $284,072 | $14,214 |
| HERMAN WHITE | VP COMMERCIAL BANKING OPER Key employee | 50 | $260,258 | $33,044 |
| PHUOC NGO | DIRECTOR IT INFRASTRUCTURE Highest-paid employee | 40 | $244,920 | $41,791 |
| ARIE ELKINS | VP CHIEF INFO SECURITY OFF Key employee | 50 | $245,491 | $40,627 |
| JOSHUA HERZOG | VP OPERATIONS AND MEMBER E Key employee | 50 | $232,601 | $36,875 |
| VICTOR SMILGYS | VP DIGITAL SERVICES Key employee | 50 | $230,554 | $27,243 |
| LAWRENCE SCOFFIELD | VP CORPORATE ADMIN Key employee | 50 | $220,877 | $30,348 |
| DASHIELL MCELROY | DIRECTOR OF CORE SOLUTIONS Highest-paid employee | 40 | $216,536 | $31,158 |
| DORON NOYMAN | VP, BD & COMMUNITY RELATIO Key employee | 50 | $199,902 | $36,949 |
16 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LANCE NELSON | DIRECTOR OF LOAN SERVICING Highest-paid employee | 40 | $196,749 | $39,260 |
| SARAH SOTELO | DIRECTOR OF RETAIL PROGRAM Highest-paid employee | 40 | $192,627 | $39,103 |
| DAVID GREENE | VP MARKETING Key employee | 50 | $201,104 | $28,557 |
| ANITA DOMONDON | VP RE LENDING Key employee | 50 | $208,539 | $17,708 |
| KEITH STATTENFIELD | VICE CHAIRPERSON Trustee or director, Officer | 5 | $0 | $0 |
| GARY GARCIA | CHAIRPERSON Trustee or director, Officer | 5 | $0 | $0 |
| MARY BENNION | SECRETARY & TREASURER Trustee or director, Officer | 5 | $0 | $0 |
| MARSHA POENISH | DIRECTOR Trustee or director | 5 | $0 | $0 |
| PRIYA JOSHI | DIRECTOR (START 04/25/24) Trustee or director | 5 | $0 | $0 |
| ANDREA SICILIANO | DIRECTOR (THRU 04/25/24) Trustee or director | 5 | $0 | $0 |
| JOHN TOM | DIRECTOR Trustee or director | 5 | $0 | $0 |
| GEORGE LIN | DIRECTOR Trustee or director | 5 | $0 | $0 |
| GREGORY EBY | DIRECTOR Trustee or director | 5 | $0 | $0 |
| BRIAN JOHNS | DIRECTOR (START 04/25/24) Trustee or director | 5 | $0 | $0 |
| BALJINDER SANDHU | DIRECTOR Trustee or director | 5 | $0 | $0 |
| ROBERT LERNER | DIRECTOR (THRU 04/25/24) Trustee or director | 5 | $0 | $0 |
990 for the year ended December 31, 2023: 36 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| T BRADFORD CANFIELD | PRESIDENT & CEO Officer | 50 | $881,375 | $28,777 |
| DAVID LUU | CHIEF OP & LENDING OFFICER Officer | 50 | $540,485 | $174,439 |
| LEE ANNE GIBLIN | CHIEF ADMINISTRATIVE OFFICER Officer | 50 | $442,320 | $129,645 |
| ANDREW MANNING | CHIEF INFORMATION OFFICER Officer | 50 | $434,092 | $135,627 |
| JOHN CALADIM | CFO (THRU 11/2/2023) Officer | 50 | $297,452 | $27,266 |
| MARSHA BERLINSKI | SVP SALES & RETAIL LENDING Key employee | 50 | $281,330 | $27,420 |
| PHUOC NGO | DIRECTOR IT INFRASTRUCTURE Highest-paid employee | 40 | $238,509 | $34,787 |
| ARIE ELKINS | VP CHIEF INFO SECURITY OFFICER Key employee | 50 | $236,893 | $34,282 |
| HERMAN WHITE | VP COMMERCIAL BANKING OPERATIONS Key employee | 50 | $248,841 | $16,408 |
| JOSHUA HERZOG | VP OPERATIONS AND MEMBER EXPERIENCE Key employee | 50 | $226,260 | $33,981 |
| VICTOR SMILGYS | VP DIGITAL SERVICES Key employee | 50 | $227,517 | $26,377 |
| LAWRENCE SCOFFIELD | VP CORPORATE ADMIN Key employee | 50 | $225,793 | $26,246 |
| STEVEN WEILER | SVP COMMERCIAL BANKING Key employee | 50 | $224,391 | $15,514 |
| DORON NOYMAN | VP, BD & COMMUNITY RELATIONS Key employee | 50 | $198,428 | $36,077 |
| DASHIELL MCELROY | DIRECTOR OF CORE SOLUTIONS Highest-paid employee | 40 | $204,615 | $29,859 |
| SARAH SOTELO | DIRECTOR OF RETAIL PROGRAM ADMIN Highest-paid employee | 40 | $193,746 | $32,912 |
| LANCE NELSON | DIRECTOR OF LOAN SERVICING Highest-paid employee | 40 | $193,105 | $32,822 |
| ANITA DOMONDON | VP RE LENDING Key employee | 50 | $204,987 | $15,921 |
| KULVINDER SAINI | DIRECTOR OF RISK MANAGEMENT Highest-paid employee | 40 | $189,853 | $29,144 |
| DAVID GREENE | VP MARKETING Key employee | 50 | $181,836 | $27,549 |
| DOUGLAS SCHROCK | VP FINANCE (THRU 4/29/2023) Key employee | 50 | $173,118 | $35,158 |
| ANNIE SONG | CHIEF FINANCIAL OFFICER Officer | 50 | $158,943 | $12,398 |
| GARY GARCIA | CHAIRPERSON Trustee or director, Officer | 5 | $0 | $0 |
| KEITH STATTENFIELD | VICE CHAIRPERSON Trustee or director, Officer | 5 | $0 | $0 |
| MARY BENNION | SECRETARY & TREASURER Trustee or director, Officer | 5 | $0 | $0 |
| ANDREA SICILIANO | DIRECTOR Trustee or director | 5 | $0 | $0 |
| BALJINDER SANDHU | DIRECTOR Trustee or director | 5 | $0 | $0 |
| BRICE HARRISON | DIRECTOR (THRU 4/30/2023) Trustee or director | 5 | $0 | $0 |
| GEORGE LIN | DIRECTOR Trustee or director | 5 | $0 | $0 |
| GREGORY EBY | DIRECTOR Trustee or director | 5 | $0 | $0 |
| JOHN TOM | DIRECTOR Trustee or director | 5 | $0 | $0 |
| LESLIE GUIDICE | DIRECTOR (THRU 1/26/2023) Trustee or director | 5 | $0 | $0 |
| LINDA CHEW | DIRECTOR (THRU 4/23/2023) Trustee or director | 5 | $0 | $0 |
| MARSHA POENISH | DIRECTOR Trustee or director | 5 | $0 | $0 |
| ROBERT LERNER | DIRECTOR Trustee or director | 5 | $0 | $0 |
| TRACY WINGROVE | DIRECTOR (THRU 4/27/2023) Trustee or director | 5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2150 TRADE ZONE BLVD STE 200, SAN JOSE, CA 95131-1730
- In care of
- % AMAN CHUG
- Principal officer (990 for 2024)
- T BRADFORD CANFIELD, 2150 TRADE ZONE BOULEVARD, SAN JOSE, CA 95131
- Signed the 990
- ANNIE SONG, CHIEF FINANCIAL OFFICER
- Phone
- (408) 731-4100
- Website
- WWW.KPCU.COM
- Return prepared by
- CLIFTONLARSONALLEN LLP
California records
California keeps its own records of charities and corporations. Search them by EIN 94-2600376 or by the name KEYPOINT CREDIT UNION.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
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.
Program accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-2600376
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1961
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $1,602,390,335
- Income (IRS master file)
- $95,127,788
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $80,303,046 | $76,254,114 | $1,602,390,335 | XML |
| 990 | December 2023 | $75,923,809 | $70,460,546 | $1,679,667,006 | XML |
| 990 | December 2022 | $69,312,506 | $62,512,294 | $1,806,959,309 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-2600376).
Questions about KEYPOINT CREDIT UNION
- What is the EIN of KEYPOINT CREDIT UNION?
- The employer identification number (EIN) of KEYPOINT CREDIT UNION is 94-2600376.
- Is KEYPOINT CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to KEYPOINT CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does KEYPOINT CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of KEYPOINT CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did KEYPOINT CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of KEYPOINT CREDIT UNION?
- The 990 for the year ended December 31, 2024 names T BRADFORD CANFIELD.
- Who are the officers and directors of KEYPOINT CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 31 people; 19 received compensation from the organization, the highest $891,320 (T BRADFORD CANFIELD, PRESIDENT & CEO).
- How much revenue does KEYPOINT CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $80,303,046, expenses of $76,254,114 and total assets of $1,602,390,335 at year end.
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