KEYPOINT

Charter #65299 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

KEYPOINT has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 24.2% in tier
  • + Emerging Performer: Top 25.1% in tier
  • + Organic Growth Engine: Top 29.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.0% in tier
  • + Average Member Relationship (AMR): Top 3.0% in tier
  • + Total Delinquency Rate (60+ days): Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.5% in tier
  • - Shrinking Wallet Share: Bottom 26.4% in tier
  • - Liquidity Strain: Bottom 30.9% in tier
  • - ROA 0.39% below tier average
  • - Efficiency ratio 7.50% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 54,791
+2.1% YoY+1.0% QoQ
 -43.9K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 9.9% in tier
Assets $1.6B
-0.6% YoY+3.3% QoQ
 $-69.8M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $1.3B
+0.3% YoY+1.1% QoQ
 +$35.9M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $1.4B
+2.3% YoY+2.2% QoQ
 $-88.5M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 0.3%
-9.3% YoY-15.9% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 15.1% in tier
NIM 2.7%
+9.9% YoY+1.1% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 17.4% in tier
Efficiency Ratio 81.5%
-4.6% YoY+2.0% QoQ
 +7.5% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 19.4% in tier
Delinquency Rate 0.3%
-36.4% YoY-7.5% QoQ
 -0.6 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 8.6% in tier
Loan To Share 92.9%
-2.0% YoY-1.1% QoQ
 +7.7% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 66th in tier
AMR $48,087
-0.7% YoY+0.6% QoQ
 +$19K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 3.3% in tier
CD Concentration 29.3%
+2.5% YoY+1.1% QoQ
 +0.3% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 53rd in tier
Indirect Auto % 5.3%
+1.4% YoY+4.2% QoQ
 -13.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 25th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#96 of 138 • Top 24.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.07%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Emerging Performer

growth
#134 of 184 • Top 25.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.32%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.07%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#213 of 246 • Top 29.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.07%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.32%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 5.31%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#42 of 96 • Bottom 12.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.47%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.03% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.07%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#81 of 83 • Bottom 26.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.72%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Liquidity Strain

risk
#163 of 183 • Bottom 30.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.90%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.30%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (4 metrics)

7
Loan-to-Member Ratio (LMR)
engagement
Value: $23,159
Peer Avg: $13,213
#7 of 304 Top 2.0% in 1B-3B tier
10
Average Member Relationship (AMR)
engagement
Value: $48,087
Peer Avg: $29,172
#10 of 304 Top 3.0% in 1B-3B tier
27
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Avg: 0.83%
#27 of 304 Top 8.6% in 1B-3B tier
48
Fee Income Per Member
profitability
Value: $276.04
Peer Avg: $210.52
#48 of 304 Top 15.5% in 1B-3B tier

Top Weaknesses (9 metrics)

274
Total Members
engagement
Value: 54,791
Peer Avg: 98,678
#274 of 304 Bottom 10.2% in 1B-3B tier
258
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Avg: 0.70%
#258 of 304 Bottom 15.5% in 1B-3B tier
258
Asset Growth Rate
growth
Value: -0.58%
Peer Avg: 4.83%
#258 of 304 Bottom 15.5% in 1B-3B tier
254
First Mortgage Concentration (%)
balance_sheet
Value: 47.81%
Peer Avg: 34.01%
#254 of 304 Bottom 16.8% in 1B-3B tier
251
Net Interest Margin (NIM)
profitability
Value: 2.72%
Peer Avg: 3.26%
#251 of 304 Bottom 17.8% in 1B-3B tier
249
Net Worth Ratio
risk
Value: 9.34%
Peer Avg: 11.44%
#249 of 304 Bottom 18.4% in 1B-3B tier
246
Efficiency Ratio
profitability
Value: 81.47%
Peer Avg: 73.97%
#246 of 304 Bottom 19.4% in 1B-3B tier
240
AMR Growth Rate
growth
Value: -0.72%
Peer Avg: 3.29%
#240 of 304 Bottom 21.4% in 1B-3B tier
237
Members Per Employee (MPE)
engagement
Value: 297.777
Peer Avg: 364.953
#237 of 304 Bottom 22.4% in 1B-3B tier