State credit union · Austin, Texas · NCUA charter #67865
CAPITOL
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $229.8M
- Total assets
- 13,971
- Members
- 12.0%
- Net-worth ratio
CAPITOL scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $229.8M; members 13,971; net-worth ratio 12.01%; health rank #184 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#184 of 4,374 health · 2025Q4CAPITOL · health 97/100 · $229.8M · 2025Q4
- HEALTH 97/100
- NW 12.0%
- DELQ 0.28%
- ROA 0.33%
- ASSETS $229.8M
- MEM 13,971
- RANK #184/4,374
- PHOTO Hawaii Law Enforcement
- BOOK 67865
Call Report peers
CAPITOL in the assets neighbourhood
CAPITOL's $229.8M assets sit next to Hawaii Law Enforcement ($230.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAPITOL 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
97 Top 5% higher than 95% 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
CAPITOL - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67865, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CAPITOL: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 84.47% vs peer 72.20% (+12.27 pp).
- Return on Assets trails the peer set - 0.33% here, 0.62% peer average (-0.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for CAPITOL
- Health composite ranks #17 of 386 among scored Texas credit unions.
- Texas assets place: #95 of 386.
- Membership ranks #104 of 386 among Texas CUs with a reported count (13,971 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.
CAPITOL: 2025Q4 → 2026Q1
CAPITOL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $229.8M (2025Q4) to $232.3M (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.07% → 12.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
CAPITOL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.01% | -0.10 pp |
| Delinquency Rate | 0.28% | -0.61 pp |
| Return on Assets | 0.33% | -0.29 pp |
| Member Growth | 5.47% | - |
| Loan-to-Share Ratio | 84.47% | +12.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - CAPITOL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $232.3M | - |
| 2025Q4 | $229.8M | 13,971 |
| 2024Q4 | $218.6M | 13,246 |
| 2023Q4 | $213.9M | 13,134 |
Credit Union Details
- Charter Number
- 67865
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for CAPITOL.
| Office | City |
|---|---|
| North Office (Main Office) | Austin, TX |
| Downtown | Austin, TX |
| South | Austin, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for CAPITOL
Two NCUA Call Report peer sets for CAPITOL, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($229.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- CAPITOL ranks #184 of 4,374 nationally on financial health and #17 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SABINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SABINE
- 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 CAPITOL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, CAPITOL carries a financial health score of 97/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #184 of 4,374; by total assets it ranks #1,197 of 4,374 nationally (same basis as /rankings/largest); and #95 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.01% net worth ratio and a 0.28% delinquency rate.
How does CAPITOL compare to other credit unions?
Five weighted metrics from NCUA filings produce CAPITOL's 97/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 CAPITOL?
Membership eligibility for CAPITOL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CAPITOL directly for current membership requirements and application steps.
Is my money safe at CAPITOL?
Federal credit unions like CAPITOL 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. CAPITOL's net worth ratio of 12.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPITOL offer compared to banks?
Credit unions like CAPITOL 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 CAPITOL 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.