Credit Union Safety Analysis
Is Keypoint Credit Union Safe? San Jose, California
Based on its Q2 2026 NCUA 5300 call report, Keypoint Credit Union has a net worth ratio of 9.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Keypoint Credit Union's net worth ratio is 9.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 0.23%
- Loan-to-share ratio (Q2 2026): 98.38%
Keypoint Credit Union (NCUA charter 65299, established 1979) reported $1.65B in assets and 55,581 members for Q2 2026 from San Jose, California. It ranks 42 of 238 credit unions in California by total assets. Total assets grew 3.6% from $1.60B on June 30, 2025. It has 1,337 more members than on June 30, 2025 (+2.5%). Its net worth ratio was down 0.43 percentage points from 9.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $727.2M of $1.32B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.00% for Q1 2026; 9.49% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.39% for Q1 2026; 0.28% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.35% for Q1 2026; 0.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.46% for Q1 2026; 93.91% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $727.2M
- Commercial loans: $254.4M
- Other unsecured loans and lines of credit: $133.7M
- Used vehicle loans: $114.4M
- New vehicle loans: $69.1M
- Unsecured credit card loans: $11.4M
- Other secured non-real estate loans and lines of credit: $1.2M
- Non-federally guaranteed student loans: $172K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.65B | 9.06% | 0.36% | 0.23% | 98.38% |
| March 31, 2026 | $1.70B | 9.00% | 0.39% | 0.35% | 92.46% |
| December 31, 2025 | $1.68B | 9.03% | 0.34% | 0.09% | 94.77% |
| September 30, 2025 | $1.65B | 9.34% | 0.26% | 0.20% | 92.90% |
| June 30, 2025 | $1.60B | 9.49% | 0.28% | 0.17% | 93.91% |
| March 31, 2025 | $1.61B | 9.29% | 0.25% | 0.59% | 90.33% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65299) · FFIEC NIC profile (RSSD 550091)
Frequently asked questions
Is Keypoint Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Keypoint Credit Union's net worth ratio is 9.06%, above the 7% NCUA threshold for well capitalized.
Is Keypoint Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Keypoint Credit Union is a federally insured credit union (NCUA charter 65299): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Keypoint Credit Union's key safety ratios?
For Q2 2026, Keypoint Credit Union reports net worth 9.06%, delinquency 0.36%, ROA 0.23%, loan-to-share 98.38%.
What happens to my money if Keypoint Credit Union fails?
For Q2 2026, Keypoint Credit Union held $1.34B in shares and deposits for 55,581 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.