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Keypoint Credit Union at a glance

· Public charity

Keypoint Credit Union

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…

$99k
Granted FY2024still arriving
5
Grants FY2024still arriving
1
States reached
$25k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2024.

Education$30kRecreation & Sports$29kHuman Services$27kHousing & Shelter$25kHealth$19kYouth Development$15kPublic Safety & Disaster$14kAnimals$10k
02FY2024 · 5 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 5 grants below total $68,075, the rows itemized in this filing. The $98,565 headline is the total grant expense on the return; the other $30,490 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2024

  • Under $10k1 grant · $8k
  • $10k–50k4 grants · $60k
$10,000
Median grant
1
States reached
$1.6B
Total assets
Largest grants
RecipientAmount
HOMEFIRST$25,000
GIRLS ON THE RUN OF SILICON VALLEY$15,000
ALZHEIMER'S ASSOCIATION$10,000
ZOOFEST$10,000
ALL STAR GROUP$8,075
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY23–23, $20k) land where the poverty rate runs at 8%, against an area that typically sits at 7%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 7%YWCA GOLDEN GATE SILICON VALLEY: $20k → 8%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

37%of every dollar goes to organizations it has funded before.
$63k · 3 repeat orgs$106k to everyone else

3 repeat relationships: 2 still active in FY2024, 1 since wound down; 3 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

3
4

Total granted

$63k
$56k

Median revenue growth · since first grant

+17%
+52%

Still filing today

67%
75%

New vs renewed · share of each year

In FY2024, 27% of grant dollars renewed an existing relationship; $50k went to new ones.

50%100%’17’18’19’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’23’24
Human ServicesEducationRecreation & SportsAnimalsHealthOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • SC
    Santa Clara City Library Foundation and Friends
    2× · 2017–2018 · $30k · revenue -37%
  • AD
    ALZHEIMER'S DISEASE & RELATED DISORDERS ASSOCIATION INC
    2× · 2019–2024 · $19k · revenue +17%
  • AS
    ALL STAR GROUP
    2× · 2017–2024 · $14k

Funded once

  • YG
    YWCA GOLDEN GATE SILICON VALLEYgraduated
    one grant, 2023 · $20k · revenue +52%
  • AV
    ALMADEN VALLEY YOUTH ATHLETIC ASSOCIATION
    one grant, 2017 · $15k
  • CU
    CREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNIONgraduated
    one grant, 2018 · $14k · revenue +63%
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Sunnyvale Community Services

The mission of sunnyvale community services is to prevent homelessness and hunger for low-income sunnyvale residents facing temporary crises.

Human Services
2
San Francisco Challenge dba AmericaOne
Recreation & Sports
3
Monterra Credit Union

Passionately deliver relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

Public Benefit
4
Silicon Valley Education Foundation

Who we are - silicon valley education foundation (svef) focuses on raising student performance in the critical areas of math and science across all 33 santa clara county school districts, and also adjoining san mateo and alameda counties.…

Community Improvement
5
San Diego County Credit Union

A not-for-profit credit union wholly owned by its members

—
6
Girl Scouts of California's Central Coast

Girl scouting builds girls of courage, confidence & character, who make the world a better place.

Youth Development
7
Sv Home

Driving the creation of affordable housing for a more vibrant and equitable silicon valley.

Housing & Shelter
8
San Francisco Girls' School

To educate and inspire girls to become innovators and leaders in stem.

—
9
Silicon Valley Council of Nonprofits

To advance the role, voice, and capacity of the nonprofit community so it can be a force for positive social change and support the creation of equitable, vibrant, and thriving communities.

Education
10
Destination Home Sv co Silicon Valley Community Foundation

Destination: home's mission is to make homelessness rare, brief, and non-recurring in santa clara county.

Housing & Shelter
11
California State University Alumni Association

Connect, engage and celebrate alumni, students and friends of sacramento state while building lifelong relationships that support the future of our university.

Education
12
Silicon Valley Community Foundation

Silicon Valley Community Foundation (SVCF) connects people, ideas and resources to ensure equity and opportunity for all.

Philanthropy
How this is measured
The grantee most central to the portfolio’s shape is San Francisco Zoological Society; the most unlike its peers is Santa Clara City Library Foundation and Friends. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

9 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 9 of the 10 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
0
Early backer (in before they grew)
8/9
Grantees still filing
6/9
Grew since first funded

Where the money sits, by cause and then by grantee

HOMEFIRST SERVICES OF SANTA CLARA COUNTY: $25,000 · OtherHOMEFIRST SERVICES OF SANTA CLARA COUNTYALMADEN VALLEY YOUTH ATHLETIC ASSOCIATION: $15,000 · OtherALMADEN VALLEY YOUTH ATHLETIC ASSOCIATIONCREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNION: $14,275 · OtherCREDIT UNIONS IN THE STATE OF CALIFORNIA SIER…ALL STAR GROUP: $14,075 · OtherALL STAR GROUPSanta Clara City Library Foundation and Friends: $30,000 · EducationSanta Clara City Lib…YWCA GOLDEN GATE SILICON VALLEY: $20,000 · Human ServicesYWCA GOLDEN GATE S…SUNDAY FRIENDS FOUNDATION: $7,000 · Human ServicesSUNDAY FRIENDS FOU…ALZHEIMER'S DISEASE & RELATED DISORDERS ASSOCIATION INC: $18,500 · HealthALZHEIMER'S …GIRLS ON THE RUN OF SILICON VALLEY INC: $15,000 · Recreation & SportsGIRLS ON T…SAN FRANCISCO ZOOLOGICAL SOCIETY: $10,000 · Animals
Other$68,350Education$30,000Human Services$27,000Health$18,500Recreation & Sports$15,000Animals$10,000

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetSanta Clara City Library Foundation and Friends: $30,000 over 2y, 3.5% of budgetHOMEFIRST SERVICES OF SANTA CLARA COUNTY: $25,000 over 1y, 0.0% of budgetYWCA GOLDEN GATE SILICON VALLEY: $20,000 over 1y, 0.1% of budgetALZHEIMER'S DISEASE & RELATED DISORDERS ASSOCIATION INC: $18,500 over 2y, 0.0% of budgetALMADEN VALLEY YOUTH ATHLETIC ASSOCIATION: $15,000 over 1y, 7.4% of budgetGIRLS ON THE RUN OF SILICON VALLEY INC: $15,000 over 1y, 2.2% of budgetCREDIT UNIONS IN THE STATE OF CALIFORNIA SIERRA CENTRAL CREDIT UNION: $14,275 over 1y, 0.0% of budgetSAN FRANCISCO ZOOLOGICAL SOCIETY: $10,000 over 1y, 0.0% of budgetSUNDAY FRIENDS FOUNDATION: $7,000 over 1y, 0.7% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Silicon Valley Commun…The David and Lucile …American Online Givin…Donor Advised Charita…Fidelity Investments …Amazonsmile Foundation
Silicon Valley Community FoundationCA13.8× affinity5 shared granteesties to 5 of 5Hover any node to trace its alignments.Compare side by side →

Open a dossier: Silicon Valley Community Foundation · The David and Lucile Packard Foundation · American Online Giving Foundation Inc · Donor Advised Charitable Giving Inc · Fidelity Investments Charitable Gift Fund · Amazonsmile Foundation

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Keypoint Credit Union funds: left to right is the share of its income from government, bottom to top the share from Keypoint Credit Union. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%0%1%3%5%funder's share of their income ↑0%10%20%30%40%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    4report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    ⤢ axis zoomed · 0–40%
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 10 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

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    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home