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
Call Report peers
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CAPITAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CAPITAL sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Wharton County Teachers (#197) ties at 83/100; one place down, Schlumberger Employees (#199) ties at 83/100.
How CAPITAL's 5300 filing moved
CAPITAL: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
CAPITAL gives up 17 points in total. Return on Assets costs the most, 13 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is CAPITAL financially healthy?
On its 2025Q4 NCUA 5300 filing, CAPITAL scores 83/100 (Excellent), with a 25.66% net worth ratio and 0.26% of loans delinquent. It ranks #2,200 of 4,374 nationally on health and #198 of 386 in Texas.
How does CAPITAL compare to other credit unions?
CAPITAL scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (25.66% vs 19.06%). Its widest shortfall is loan-to-share ratio (54.04% vs 63.60%).
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?
CAPITAL is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.