2023-11-11T12:50:52-06:00 2022-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-01-01 942600376 KEYPOINT CREDIT UNION KEYP 4087314100 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 ANNIE SONG INTERIM CFO 4087314100 2023-11-07 1 ANNIE SONG XXX-XX-XXXX 0 MELISSA HANGSLEBEN P02087031 6022662248 2023-11-07 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z T BRADFORD CANFIELD 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 69624039 0 X WWW.KPCU.COM X 1979 CA A COOPERATIVE ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 9 9 235 11 964976 0 0 0 48898489 60116605 30147616 9059681 255731 136220 79301836 69312506 11100 22500 2708257 2713587 25062849 25262376 0 0 0 23659498 34513831 51441704 62512294 27860132 6800212 1639289410 1806959309 1503576834 1689747484 135712576 117211825 X 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. 0 0 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. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 19033 0 1 235 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 CA X ANNIE SONG 4087314100 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 T BRADFORD CANFIELD PRESIDENT & CEO 50.00 0.10 X 1062742 0 37466 VI LUU CHIEF OPERATING AND LENDING 50.00 0.10 X 497305 0 62768 ANDREW MANNING CHIEF INFORMATION OFFICER 50.00 0.00 X 404453 0 75216 LEEANNE GIBLIN CHIEF ADMINISTRATIVE OFFICER 50.00 0.00 X 416954 0 51009 STEVEN WEILER SVP COMMERCIAL BANKING 50.00 0.00 X 369244 0 43826 DOUGLAS SCHROCK VP FINANCE 50.00 0.00 X 278846 0 65323 TRENT MCILHANEY CHIEF FINANCIAL OFFICER (THRU 08/22) 50.00 0.00 X 287023 0 28745 MARSHA BERLINSKI SVP SALES & RETAIL LENDING 50.00 0.00 X 256626 0 41494 LAWRENCE SCOFFIELD VP CORPORATE ADMIN 50.00 0.00 X 247698 0 44823 RAUL NIEVES JR SR MORTGAGE LOAN OFFICER 40.00 0.00 X 246839 0 42280 ARIE ELKINS CHIEF INFORMATION SECURITY 50.00 0.00 X 225023 0 44359 JOSHUA HERZOG VP OPERATIONS AND MEMBER EXPERIENCE 50.00 0.00 X 220591 0 45722 HERMAN WHITE DIR. COMM BANKING OPS 40.00 0.00 X 231797 0 34025 EATAN VIJAN FINANCIAL ADVISOR 50.00 0.00 X 221846 0 36235 VICTOR SMILGYS VP IT E-SERVICE 50.00 0.00 X 213473 0 28563 DORON NOYMAN VP SALES AND DEVELOPMENT 50.00 0.00 X 179513 0 55123 DAVID GREENE VP MARKETING 50.00 0.00 X 172455 0 48780 PHUOC NGO DIRECTOR IT INFRASTRUCTURE 50.00 0.00 X 188038 0 31593 GINA CORDERO MORTGAGE LOAN MANAGER 40.00 0.00 X 183805 0 27371 ANITA DOMONDON VP RE LENDING 50.00 0.00 X 173254 0 28051 KEVIN SON SR MORTGAGE LOAN OFFICER 50.00 0.00 X 182842 0 15560 MARSHA POENISH CHAIRPERSON 5.00 0.00 X X 0 0 0 GARY GARCIA VICE CHAIRPERSON 5.00 0.00 X X 0 0 0 KEITH STATTENFIELD TREASURER AND SECRETARY 5.00 0.00 X X 0 0 0 ROBERT LERNER DIRECTOR 5.00 0.00 X 0 0 0 GREGORY EBY DIRECTOR 5.00 0.00 X 0 0 0 JOHN TOM DIRECTOR 5.00 0.00 X 0 0 0 BALJINDER SANDHU DIRECTOR 5.00 0.00 X 0 0 0 MARY BENNION DIRECTOR 5.00 0.00 X 0 0 0 BRICE HARRISON DIRECTOR 5.00 0.00 X 0 0 0 6260367 0 888332 70 0 1 0 FISERV INC 455 WINDING BROOK DRIVE GLASTONBURY CT 06033 CORE SYSTEM SERVICING 1528403 SHI INTERNATIONAL CORP PO BOX 952121 DALLAS TX 753952121 CORE SYSTEM SERVICING 812407 VISA DPS PO BOX 60000 SAN FRANCISCO CA 94160 ATM NETWORK/CARD PROCESSING 582954 ROBERT HALF INTERNATIONAL PO BOX 743295 LOS ANGELES CA 90074 EMPLOYMENT SERVICES 439985 BAY AREA NEWS GROUP PO BOX 8005 WILLOUGHBY OH 44096 ADVERTISING 397931 38 INTEREST ON LOANS 522100 47908925 47908925 FEE INCOME 522100 3665670 3665542 128 INTERCHANGE INCOME 522100 3029731 3012862 16869 GAIN ON SALE OF LOANS 522100 2519579 2519579 LOAN SERVICING INCOME 522100 1335380 1335380 1657320 736003 921317 60116605 9166467 26662 9139805 31200 204747 -173547 -173547 -173547 106786 -106786 -106786 -106786 OTHER INCOME 900099 309767 309767 309767 69312506 59178291 964976 9169239 19500 3000 2713587 5972290 16585929 142288 2377673 184196 418045 1269227 4609836 1529081 2594217 534510 2751748 386283 7712126 2243758 25985 PROVISION FOR LOAN LOSS 7130000 LOAN SERVICING 1841096 MISCELLANEOUS 988648 ATM EXPENSES 479271 62512294 9683107 16721369 184411935 86686605 4205857 656262 13582961 15983210 1101984873 1382519826 2797848 2325919 46592588 25401994 12049550 21190594 253584712 221633576 19086189 27018512 37902378 32223436 1639289410 1806959309 15339966 21473192 4067 52896 1362160 1441627 109000000 344000000 1377870641 1322779769 1503576834 1689747484 X 0 0 0 0 135712576 117211825 135712576 117211825 1639289410 1806959309 X 6800212 -25299183 -1780 X 0 1 X 1 0 0 1 X 3985000 3985000 13933713 354866 13578847 2889894 1983852 906042 25783981 23063276 2720705 21190594 MEMBERS' SHARE AND SAVINGS ACCOUNTS 1322779769 1322779769 X PART IV, LINE 2B: CUSTODIAL ACCOUNTS FOR FHLB PROGRAM LOAN SERVICER AND ESCROW ACCOUNT RELATED TO HAZARD INSURANCE AND PROPERTY TAX ON MORTGAGE LOAN PROPERTIES. PART X, LINE 2: THE CREDIT UNION IS EXEMPT, UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE THAT HAVE RESULTED IN NO TAXES PAID FOR THE YEARS ENDED DECEMBER 31, 2022 AND 2021. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXITS AS OF DECEMBER 31, 2022 AND 2021. THE CREDIT UNION'S 2019 THROUGH 2021 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. X 1 1 X X X X 0 1 0 T BRADFORD CANFIELD PRESIDENT & CEO 567782 0 446859 0 48101 0 17333 0 20133 0 1100208 0 0 0 VI LUU CHIEF OPERATING AND LENDING 319934 0 140785 0 36586 0 40988 0 21780 0 560073 0 0 0 ANDREW MANNING CHIEF INFORMATION OFFICER 260926 0 107842 0 35685 0 53436 0 21780 0 479669 0 0 0 LEEANNE GIBLIN CHIEF ADMINISTRATIVE OFFICER 260105 0 117840 0 39009 0 29229 0 21780 0 467963 0 0 0 STEVEN WEILER SVP COMMERCIAL BANKING 137839 0 1000 0 230405 0 43826 0 0 0 413070 0 0 0 DOUGLAS SCHROCK VP FINANCE 186233 0 64764 0 27849 0 47500 0 17823 0 344169 0 0 0 TRENT MCILHANEY CHIEF FINANCIAL OFFICER (THRU 08/22) 203222 0 73336 0 10465 0 11686 0 17059 0 315768 0 0 0 MARSHA BERLINSKI SVP SALES & RETAIL LENDING 200876 0 37800 0 17950 0 41494 0 0 0 298120 0 0 0 LAWRENCE SCOFFIELD VP CORPORATE ADMIN 150567 0 64500 0 32631 0 27000 0 17823 0 292521 0 0 0 RAUL NIEVES JR SR MORTGAGE LOAN OFFICER 30242 0 115994 0 100603 0 20500 0 21780 0 289119 0 0 0 ARIE ELKINS CHIEF INFORMATION SECURITY 177928 0 31966 0 15129 0 19137 0 25222 0 269382 0 0 0 JOSHUA HERZOG VP OPERATIONS AND MEMBER EXPERIENCE 154632 0 37395 0 28564 0 20500 0 25222 0 266313 0 0 0 HERMAN WHITE DIR. COMM BANKING OPS 169993 0 34969 0 26835 0 34025 0 0 0 265822 0 0 0 EATAN VIJAN FINANCIAL ADVISOR 42092 0 0 0 179754 0 19822 0 16413 0 258081 0 0 0 VICTOR SMILGYS VP IT E-SERVICE 163812 0 30310 0 19351 0 10627 0 17936 0 242036 0 0 0 DORON NOYMAN VP SALES AND DEVELOPMENT 138633 0 32099 0 8781 0 29500 0 25623 0 234636 0 0 0 DAVID GREENE VP MARKETING 136722 0 18270 0 17463 0 27000 0 21780 0 221235 0 0 0 PHUOC NGO DIRECTOR IT INFRASTRUCTURE 144030 0 27085 0 16923 0 6371 0 25222 0 219631 0 0 0 GINA CORDERO MORTGAGE LOAN MANAGER 146828 0 14351 0 22626 0 5591 0 21780 0 211176 0 0 0 ANITA DOMONDON VP RE LENDING 156444 0 4786 0 12024 0 19138 0 8913 0 201305 0 0 0 KEVIN SON SR MORTGAGE LOAN OFFICER 124789 0 4713 0 53340 0 6647 0 8913 0 198402 0 0 0 PART I, LINE 1A HEALTH CLUB DUES ARE PAID FOR SEVERAL OFFICERS AND ARE TREATED AS TAXABLE COMPENSATION FOR ANY PERSONAL USE. PART I, LINE 4B SPLIT DOLLAR LIFE INSURANCE POLICIES - THE CREDIT UNION HAS MADE RECOURSE LOANS FOR LIFE INSURANCE PREMIUM PAYMENTS TO A MEMBER OF SENIOR MANAGEMENT. THE LOANS ARE COLLATERALIZED BY THE ASSIGNMENT OF THE CASH SURRENDER VALUE OF THE RESPECTIVE LIFE INSURANCE POLICIES AND THE ANNUITY CONTRACTS SET UP TO PAY THE LIFE INSURANCE PREMIUMS. THE POLICIES ARE OWNED BY THE EXECUTIVE AND THE EXECUTIVE HAS SOLE CONTROL OVER THE LISTED BENEFICIARIES. AT THE TIME OF RETIREMENT, THE LOAN BECOMES DUE AND PAYABLE AND CAN BE PAID WITH THE CASH VALUE OF THE LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS, OR WITH OTHER PERSONAL FUNDS AT THE EXECUTIVE'S DISCRETION. ARIE C ELKINS CHIEF INFORMATION SECURITY FIRST MORTGAGE FIXED X 625000 491238 0 0 1 ARIE C ELKINS CHIEF INFORMATION SECURITY JUNIOR HELOC LSEQ 5 YRS X 100000 10159 0 0 1 ANDREW MANNING CHIEF INFORMATION OFFICER FIRST MORTGAGE FIXED X 663000 629650 0 1 1 ANDREW MANNING CHIEF INFORMATION OFFICER FIRST MORTGAGE FIXED X 112000 109883 0 1 1 ANITA DOMONDON VP RE LENDING FIRST MORTGAGE VARIABLE GR 5 X 971000 957447 0 0 1 DORON NOYMAN VP SALES & DEVELOPMENT FIRST MORTGAGE FIXED X 400000 375138 0 0 1 DORON NOYMAN VP SALES & DEVELOPMENT JUNIOR HELOC LSEQ 5 YRS X 250000 232500 0 0 1 DOUGLAS R SCHROCK VP FINANCE FIRST MORTGAGE FIXED X 500000 411719 0 0 1 JOSHUA A HERZOG VP OPERATIONS AND MEMBER EXPERIENCE AUTO DIRECT - USED X 44570 22673 0 0 1 LAWRENCE D SCOFIELD VP CORPORATE ADMIN JUNIOR HELOC (GRANDFATHER) X 200000 52274 0 0 1 LAWRENCE D SCOFIELD VP CORPORATE ADMIN AUTO DIRECT - USED X 20001 5724 0 0 1 LAWRENCE D SCOFIELD VP CORPORATE ADMIN FIRST MORTGAGE FIXED X 102500 96083 0 0 1 MARSHA L BERLINSKI SVP SALES & RETAIL LENDING FIRST MORTGAGE FIXED X 970000 876307 0 0 1 VICTOR F SMILGYS VP IT ESERVICES FIRST MORTGAGE FIXED X 270000 200820 0 0 1 VICTOR F SMILGYS VP IT ESERVICES INVESTOR LOANS - FIXED X 152000 137956 0 0 1 VICTOR F SMILGYS VP IT ESERVICES INVESTOR LOANS - FIXED X 119000 97951 0 0 1 VICTOR F SMILGYS VP IT ESERVICES FIRST MORTGAGE FIXED X 155000 143668 0 0 1 VICTOR F SMILGYS VP IT ESERVICES AUTO DIRECT - USED X 17789 15267 0 0 1 VI LUU CHIEF OPERATING AND LENDING FIRST MORTGAGE FIXED X 585000 441994 0 1 1 TED CANFIELD PRESIDENT & CEO SPLIT DOLLAR X 9406894 9406894 0 1 1 TED CANFIELD PRESIDENT & CEO LOC UNSECURED VARIABLE X 25000 25000 0 1 1 PHUOC V NGO DIRECTOR IT INFRASTRUCTURE FIRST MORTGAGE FIXED X 360000 248186 0 0 1 PHUOC V NGO DIRECTOR IT INFRASTRUCTURE JUNIOR HELOC LSEQ 5 YRS X 250000 45115 0 0 1 GINA M CORDERO MORTGAGE LOAN MANAGER FIRST MORTGAGE FIXED X 689000 651045 0 0 1 GINA M CORDERO MORTGAGE LOAN MANAGER AUTO DIRECT - USED X 40206 25771 0 0 1 GINA M CORDERO MORTGAGE LOAN MANAGER JUNIOR HELOC LSEQ 5 YRS X 377000 272748 0 0 1 15983210 FORM 990, PART VI, SECTION A, LINE 1A THE CREDIT UNION HAS AN EXECUTIVE COMMITTEE CONSISTING OF NO FEWER THAN THREE (3) DIRECTORS. THE COMMITTEE HAS THE POWER TO APPROVE MEMBERSHIP APPLICATIONS. WITH THE WRITTEN APPROVAL OF THE COMMISSIONER, THE EXECUTIVE COMMITTEE MAY ACT FOR THE BOARD OF DIRECTORS IN THE PURCHASE AND SALE OF SECURITIES, INVESTMENT AND WITHDRAWAL OF FUNDS, IN BORROWING FUNDS, AND TO MAKE LOANS TO OTHER CREDIT UNIONS IN ACCORDANCE WITH APPLICABLE LAW AND REGULATIONS. FORM 990, PART VI, SECTION A, LINE 6 PARTICIPATION IN THIS CREDIT UNION IS LIMITED TO THOSE WHO QUALIFY FOR MEMBERSHIP AS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF THOSE WHO LIVE, WORK, WORSHIP, OR GO TO SCHOOL IN SANTA CLARA, ALAMEDA, CONTRA COSTA, EL DORADO, PLACER, SAN MATEO, SANTA BARBARA, AND SACRAMENTO COUNTIES, CALIFORNIA. IN ADDITION TO A REGULARLY QUALIFIED MEMBER, THE SPOUSE OF A MEMBER, THE BLOOD OR ADOPTIVE RELATIVES OF EITHER OF THEM, AND THEIR SPOUSES MAY BE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE GOVERNING BOARD OF KEYPOINT CREDIT UNION IS COMPRISED OF VOLUNTEER DIRECTORS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD OF THREE YEARS AND UNTIL THEIR SUCCESSORS SHALL HAVE BEEN ELECTED. FORM 990, PART VI, SECTION A, LINE 7B AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING PRIOR TO FILING WITH THE IRS. THE BOARD OF DIRECTORS DO NOT RECEIVE A COPY PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C PER THE CREDIT UNION'S CONFLICT OF INTEREST POLICY, DIRECTORS, VOLUNTEERS AND EMPLOYEES ARE REQUIRED TO DISCLOSE THEIR INTERESTS THAT COULD GIVE RISE TO CONFLICTS OF INTEREST. THE POLICY WAS MOST RECENTLY REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS ON FEBRUARY 25, 2016. FOR THE ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY, THE VP OF RISK MANAGEMENT REVIEWS ACCOUNT ACTIVITY FOR ALL DIRECTORS, VOLUNTEERS, AND EMPLOYEES AND THEIR INTERESTS. IN ADDITION, THE ACCOUNTS PAYABLE SYSTEM IS REVIEWED TO ENSURE PROPRIETY OF ANY POTENTIAL CONFLICTS OF INTEREST AS APPLICABLE. THE CREDIT UNION ALSO MAINTAINS A POLICY THAT NO IMMEDIATE FAMILY MEMBERS OF THE BOARD OF DIRECTORS OR SUPERVISORY COMMITTEE MEMBERS MAY BECOME EMPLOYEES OF THE CREDIT UNION UNTIL TWO YEARS HAVE ELAPSED SINCE THEIR VOLUNTEER SERVICE WITH THE CREDIT UNION ENDED. THE CREDIT UNION DOES ALLOW DIRECTORS, VOLUNTEERS AND EMPLOYEES TO APPLY FOR LOANS THAT THE CREDIT UNION OFFERS TO ITS MEMBERSHIP. ALL LOAN APPLICATIONS FOR VICE-PRESIDENTS AND ABOVE, VOLUNTEERS AND BOARD MEMBERS REQUIRE THE APPROVAL OF THE BOARD OF DIRECTORS. DIRECTORS ARE RESTRICTED FROM PARTICIPATING IN THE DELIBERATIONS AND VOTING IN A TRANSACTION THAT PERTAINS TO THEM. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION OF THE CEO IS DETERMINED BY THE COMPENSATION COMMITTEE OF THE CREDIT UNION, WHO USE COMPARABILITY DATA TO DETERMINE THE APPROPRIATE COMPENSATION. COMPENSATION IS DOCUMENTED IN THE HR SOFTWARE AND THE REVIEW PROCESS WAS LAST COMPLETED DURING 2022. ALL VP POSITIONS AND ABOVE ARE REVIEWED FOR MARKET PLACE COMPENSATION AND SALARY RANGES ARE RECOMMENDED FOR ADJUSTMENT BASED ON SURVEY INFORMATION. THE CEO APPROVES THE RECOMMENDATION FOR SALARY STRUCTURE CHANGE. AFTER A PERFORMANCE REVIEW IS WRITTEN AND RATING IS DETERMINED, A MERIT INCREASE IS DETERMINED BY THE PERFORMANCE LEVEL AS LONG AS THE SALARY REMAINS IN THE RANGE. THE RECOMMENDATION FOR MERIT INCREASE IS APPROVED OVERALL BY THE INDIVIDUAL DEPARTMENT VP OR EVP. THE OVERALL GROUP IS APPROVED BY THE CEO. THE ANNUAL REVIEW WAS LAST PERFORMED DURING 2022 AND DOCUMENTED IN THE HR SOFTWARE. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE POSTED IN THE BRANCH OFFICES MONTHLY. FORM 990, PART XI, LINE 9: LOSS ON CUSO INVESTMENT -1,780. KEYPOINT FOUNDATION 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 473954329 CHARITABLE GIVING CA 501(C)(3) PF KEYPOINT CREDIT UNION 1 KEYPOINT FINANCIAL SERVICES INC 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 770018330 INSURANCE CA KEYPOINT CREDIT UNION C 20128 1186356 1.00000 1 INTEGRATED CREDIT UNION SERVICES INC 2150 TRADE ZONE BOULEVARD SAN JOSE CA 95131 943140652 INSURANCE CA KEYPOINT CREDIT UNION C 53327 15825 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0