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
Call Report peers
CAPITOL in the assets neighbourhood
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CAPITOL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CAPITOL sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Kelly Community (#16) ties at 97/100; one place down, Brownsville City Employees (#18) scores 96/100, 1 point lower.
CAPITOL: 2025Q4 → 2026Q1
CAPITOL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $229.8M (2025Q4) to $232.3M (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.07% → 12.01%).
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
CAPITOL gives up 3 points in total. Return on Assets costs the most, 2.5 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CAPITOL financially healthy?
On its 2025Q4 NCUA 5300 filing, CAPITOL scores 97/100 (Excellent), with a 12.01% net worth ratio and 0.28% of loans delinquent. It ranks #184 of 4,374 nationally on health and #17 of 386 in Texas.
How does CAPITOL compare to other credit unions?
CAPITOL scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.47% vs 72.20%). Its widest shortfall is return on assets (0.33% vs 0.62%).
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?
CAPITOL is a state-chartered 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. CAPITOL's net worth ratio of 12.01% 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.