Unverified listing What this means
The Lender Report built this page from public records. Keypoint Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Keypoint Credit Union itself. Each figure shows its source and date. Work at Keypoint Credit Union? You can claim this page for free.
Credit union, San Jose, CA
Keypoint Credit Union
A credit union based in San Jose, CA. Its commercial book is mostly non-owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $254M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 29
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 16
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.65B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 408-731-4100 From the NCUA record, June 30, 2026.
- Website
- www.kpcu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- kpcu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- KEYPOINT; KPCU.com; KeyPoint Financial Services; keypointfinancialservices.comNCUA 5300,
- Address
- 2150 Trade Zone Blvd, San Jose, CA 95131-1730NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Keypoint Credit Union's Multifamily balance rose 20.6% to $60.4M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 16 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 6.5% to $171M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 117.1% to $60.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| 2023-10 to 2026-09 | Named as the lender on 2 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias | NYC ACRIS recorded mortgages |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Utah | SBA 7(a), RV (Recreational Vehicle) Parks and Campgrounds | $2.4M | 8.5% | 25 yr | SBA FOIA | |
| Jul 2026 | California | SBA 7(a), Promoters of Performing Arts, Sports, and Similar Events with Facilities | $1.4M | 8.5% | 25 yr | SBA FOIA | |
| Jul 2026 | Texas | SBA 7(a), Diagnostic Imaging Centers | $660K | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | California | SBA 7(a), Sports and Recreation Instruction | $350K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2025 | California | SBA 7(a), Child Care Services | $390K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2025 | Virginia | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $440K | 9.75% | 10 yr | SBA FOIA | |
| Jun 2025 | California | SBA 7(a), General Automotive Repair | $370K | 8.75% | 25 yr | SBA FOIA | |
| Jan 2025 | California | SBA 7(a), Child Care Services | $440K | 10% | 10 yr | SBA FOIA | |
| Dec 2024 | California | SBA 7(a), Child Care Services | $1.3M | 9% | 25 yr | SBA FOIA | |
| Aug 2024 | Virginia | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $680K | 10.75% | 10 yr | SBA FOIA | |
| Feb 2024 | Colorado | SBA 7(a), Other Personal Care Services | $980K | 9.5% | 25 yr | SBA FOIA | |
| Feb 2024 | California | SBA 7(a), Support Activities for Forestry | $350K | 10.75% | 10 yr | SBA FOIA | |
| Feb 2024 | California | SBA 7(a), Fitness and Recreational Sports Centers | $300K | 10.75% | 10 yr | SBA FOIA | |
| Dec 2023 | California | SBA 7(a), Nursery, Garden Center, and Farm Supply Retailers | $1.6M | 9.5% | 25 yr | SBA FOIA | |
| Nov 2023 | California | SBA 7(a), Child Care Services | $1.5M | 9.5% | 25 yr | SBA FOIA | |
| Oct 2023 | California | SBA 7(a), Specialized Automotive Repair | $200K | 10.75% | 10 yr | SBA FOIA | |
| 16 SBA 7(a) loans since October 2023, net of cancelled | $13.4M | SBA FOIA | |||||
A blank means the source did not report it.
Recorded mortgages, New York City
NYC ACRIS, September 30, 2026
Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.
- 2 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Keypoint Credit Union as the lender, totaling $3.80M.
- 2 of them were recorded in the latest 12 months of that window.
| Property class | Mortgages | Dollars |
|---|---|---|
| Hotel | 1 | $2.50M |
| Multifamily | 1 | $1.30M |
| Borough | Mortgages |
|---|---|
| Manhattan | 1 |
| Brooklyn | 1 |
How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $60.4M | 4.6% | +117.1% | 53 | $1.14M |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $18.6M | 1.4% | -12.0% | 32 | $580K |
| Non-owner-occupied CRE | $171M | 12.9% | +6.5% | 239 | $715K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $4.48M | 0.3% | -13.3% | 22 | $203K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $254M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $186M |
| Q4 2023 | $187M |
| Q1 2024 | $194M |
| Q2 2024 | $199M |
| Q3 2024 | $202M |
| Q4 2024 | $210M |
| Q1 2025 | $218M |
| Q2 2025 | $215M |
| Q3 2025 | $231M |
| Q4 2025 | $233M |
| Q1 2026 | $251M |
| Q2 2026 | $254M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 38 | $13.7M | $270K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 16 | $13.4M | $550K | $2.4M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 4 | $4.80M | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 29 | $36.4M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 15 | $16.6M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 3 | $2.67M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 11 | $17.1M | NCUA 5300, | ||
| C&I | First half of 2026 | 1 | $240K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Multifamily | $1.14M |
| Owner-occupied CRE | $580K |
| Non-owner-occupied CRE | $715K |
| Commercial and industrial | $203K |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 8 | 0 | 18 | 11 | 0 |
| South Carolina | 0 | 0 | 5 | 0 | 0 |
| Tennessee | 0 | 0 | 4 | 0 | 0 |
| Texas | 0 | 0 | 3 | 1 | 0 |
| Florida | 0 | 0 | 2 | 0 | 0 |
| Missouri | 0 | 0 | 2 | 0 | 0 |
| Virginia | 0 | 0 | 0 | 2 | 0 |
| Arizona | 0 | 0 | 1 | 0 | 0 |
| Colorado | 0 | 0 | 0 | 1 | 0 |
| Oklahoma | 0 | 0 | 1 | 0 | 0 |
| Oregon | 0 | 0 | 1 | 0 | 0 |
| Utah | 0 | 0 | 0 | 1 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $203M | $143M to $238M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $183M | $0 to $475M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 90.2% | 0.0% to 283.2% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $22.5M | $15.3M to $37.9M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 154.3% | 22.0% to 338.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 79.9% | 50.3% to 85.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 16 loans (100.0%)
- Approval to first disbursement
- 24 days, median of 15
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Monterra Credit Union | CA | $1.94B | $81.7M |
| San Francisco Fire Credit Union | CA | $1.62B | $104M |
| American First Credit Union | CA | $1.37B | $468M |
| Los Angeles Credit Union | CA | $1.29B | $32.4M |
| Frontwave Credit Union | CA | $1.74B | $379M |
| Northrop Grumman Credit Union | CA | $1.65B | $73.2M |
| Southland Credit Union | CA | $1.31B | $133M |
| University Credit Union | CA | $1.17B | $88.8M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Keypoint Credit Union, NCUA charter 65299. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.65B in total assets and $254M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 29 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 54 loans in HMDA and SBA files, through September 30, 2026: 38 HMDA 1-4 unit investor 2025, 16 SBA 7(a) in 36 months. [How each file was tied to Keypoint Credit Union]
- Phone and website. Phone 408-731-4100, from the NCUA record. Website kpcu.com, from the NCUA record. [How to reach them]
- Recorded mortgages, New York City. 2 recorded mortgages in New York City under this name. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 65299
- RSSD
- 550091
- LEI
- 549300DT7CCDCC7O6Z60
- The Lender Report ID
- lr_001001
- Main office county
- Santa Clara
- Members
- 55,958
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $1.7B in total assets as of June 30, 2026 (NCUA 5300).
- Held $254.4M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $171M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.5% from a year earlier (NCUA 5300).
- Held $60.4M of multifamily loans as of June 30, 2026, up 117.1% from a year earlier (NCUA 5300).
- Held $18.6M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 38 1-4 unit investor or business-purpose loans totaling $13.7M in 2025 (HMDA).
6 more sentences
- Recorded 19 SBA 7(a) approvals totaling $15.7M from October 1, 2023 to September 30, 2026, of which 3 were later cancelled (SBA).
- Originated 29 real-estate-secured commercial loans totaling $36.4M in the first half of 2026 (NCUA 5300).
- Bought $10.7M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $74.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 8 offices in 1 state (NCUA).
- Named as the lender on 2 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $3.8M (NYC Department of Finance, ACRIS).
Cite this
Source: The Lender Report, Keypoint Credit Union, https://lender.report/lender/keypoint-credit-union-ca/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- NYC ACRIS recorded mortgages, September 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem