Federal credit union · LAMESA, Texas · NCUA charter #16813
CAPROCK
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $39.9M
- Total assets
- 4,346
- Members
- 11.4%
- Net-worth ratio
CAPROCK scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.9M; members 4,346; net-worth ratio 11.36%; health rank #2,605 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,605 of 4,374 health · 2025Q4CAPROCK · health 81/100 · $39.9M · 2025Q4
- DELQ 81/100
- ROA 11.4%
- ASSETS 1.38%
- MEM -0.03%
- RANK $39.9M
- PHOTO 4,346
- BOOK #2,605/4,374
- CHARTER LAMOURE
- NCUSIF 16813
Call Report peers
CAPROCK in the assets neighbourhood
CAPROCK's $39.9M assets sit next to LAMOURE ($39.9M) 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.
CAPROCK 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
81 39th percentile higher than 39% 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
CAPROCK - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16813: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
CAPROCK: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.49 pp (83.29% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -3.50 pp (11.36% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for CAPROCK
- Health composite ranks #233 of 386 among scored Texas credit unions.
- By total assets, CAPROCK is #207 of 386 in Texas.
- Texas membership ordinal: #188 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CAPROCK
CAPROCK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $39.9M (2025Q4) to $41.0M (2026Q1).
- Net-worth ratio shifted -0.33 pp (11.69% → 11.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 4.2 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for CAPROCK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.36% | -3.50 pp |
| Delinquency Rate | 1.38% | +0.23 pp |
| Return on Assets | -0.03% | -0.73 pp |
| Member Growth | 37.31% | - |
| Loan-to-Share Ratio | 83.29% | +23.49 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.0M | - |
| 2025Q4 | $39.9M | 4,346 |
| 2024Q4 | $38.5M | 3,165 |
| 2023Q4 | $37.6M | 3,337 |
Credit Union Details
- Charter Number
- 16813
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- LAMESA
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for CAPROCK, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | LAMESA, TX |
| Computer Marketing Corporation (CMC Flex) | Sandy, UT |
| CAPROCK FEDERAL CREDIT UNION SEMINOLE | SEMINOLE, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for CAPROCK
Cross-state asset and health neighbours for CAPROCK - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- CAPROCK ranks #2,605 of 4,374 nationally on financial health and #233 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Old Ocean is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Old Ocean
- 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 CAPROCK financially healthy?
CAPROCK scores 81/100 (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 #2,605 of 4,374; by total assets it ranks #2,607 of 4,374 nationally (same basis as /rankings/largest); and #207 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.36% net worth ratio and a 1.38% delinquency rate.
How does CAPROCK compare to other credit unions?
On PlainCU's health composite, CAPROCK lands at 81/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 CAPROCK?
CAPROCK 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 CAPROCK directly for the exact boundaries and application steps.
Is my money safe at CAPROCK?
Federal credit unions like CAPROCK 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. CAPROCK's net worth ratio of 11.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPROCK offer compared to banks?
Credit unions like CAPROCK 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 CAPROCK 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.