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
Call Report peers
CAPROCK in the assets neighbourhood
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CAPROCK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CAPROCK sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Texas, PRIMEWAY (#232) ties at 81/100; one place down, INVESTEX (#234) ties at 81/100.
Quarter path for CAPROCK
CAPROCK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $39.9M (2025Q4) to $41.0M (2026Q1).
- Net-worth ratio shifted -0.33 pp (11.69% → 11.36%).
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
CAPROCK gives up 19 points in total. Return on Assets costs the most, 10.8 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is CAPROCK financially healthy?
On its 2025Q4 NCUA 5300 filing, CAPROCK scores 81/100 (Excellent), with a 11.36% net worth ratio and 1.38% of loans delinquent. It ranks #2,605 of 4,374 nationally on health and #233 of 386 in Texas.
How does CAPROCK compare to other credit unions?
CAPROCK scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.29% vs 59.80%). Its widest shortfall is net worth ratio (11.36% vs 14.86%).
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?
CAPROCK 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. CAPROCK's net worth ratio of 11.36% 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.