Federal credit union · Lubbock, Texas · NCUA charter #24930
CAPITAL
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $4.2M
- Total assets
- 854
- Members
- 25.7%
- Net-worth ratio
CAPITAL scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 854; net-worth ratio 25.66%; health rank #2,200 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,200 of 4,374 health · 2025Q4CAPITAL · health 83/100 · $4.2M · 2025Q4
- NCUSIF 83/100
- CAMELS 25.7%
- HEALTH 0.26%
- NW -0.28%
- DELQ $4.2M
- ROA 854
- ASSETS #2,200/4,374
- MEM n/a
- RANK 24930
Call Report peers
CAPITAL carries $4.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAPITAL vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CAPITAL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24930, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where CAPITAL diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +6.60 pp (25.66% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 54.04% here, 63.60% peer average (-9.56 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CAPITAL sits in Texas
- Health composite ranks #198 of 386 among scored Texas credit unions.
- Texas assets place: #350 of 386.
- Membership ranks #330 of 386 among Texas CUs with a reported count (854 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CAPITAL's 5300 filing moved
CAPITAL: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -43.9% from $7.5M (2024Q4) to $4.2M (2025Q4).
- Membership moved +32.6% from 644 to 854 over the same window.
- Net-worth ratio shifted +4.37 pp (21.29% → 25.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 25.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.0 pts
CAPITAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.66% | +6.60 pp |
| Delinquency Rate | 0.26% | -1.55 pp |
| Return on Assets | -0.28% | -0.73 pp |
| Member Growth | 32.61% | - |
| Loan-to-Share Ratio | 54.04% | -9.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
CAPITAL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.2M | 854 |
| 2024Q4 | $7.5M | 644 |
| 2023Q4 | $6.8M | 265 |
Credit Union Details
- Charter Number
- 24930
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Lubbock
- Data Quarter
- 2025Q4
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near CAPITAL
CAPITAL's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- CAPITAL ranks #2,200 of 4,374 nationally on financial health and #198 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Thd District 17 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Thd District 17
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CAPITAL financially healthy?
CAPITAL scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,200 of 4,374; by total assets it ranks #3,953 of 4,374 nationally (same basis as /rankings/largest); and #350 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.66% net worth ratio and a 0.26% delinquency rate.
How does CAPITAL compare to other credit unions?
83/100 is CAPITAL's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CAPITAL?
CAPITAL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CAPITAL directly for the exact boundaries and application steps.
Is my money safe at CAPITAL?
Federal credit unions like CAPITAL are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CAPITAL's net worth ratio of 25.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPITAL offer compared to banks?
Credit unions like CAPITAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CAPITAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.