State credit union · SLATON, Texas · NCUA charter #67441
Caprock Santa Fe
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $51.3M
- Total assets
- 4,298
- Members
- 41.2%
- Net-worth ratio
Caprock Santa Fe scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.3M; members 4,298; net-worth ratio 41.20%; health rank #3,498 of 4,374; healthier than 18th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,498 of 4,374 health · 2025Q4Caprock Santa Fe · health 71/100 · $51.3M · 2025Q4
Call Report peers
Caprock Santa Fe in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Caprock Santa Fe vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Caprock Santa Fe sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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
Where Caprock Santa Fe diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +27.58 pp (41.20% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.36 pp (51.24% vs 62.60%).
Caprock Santa Fe in Texas
- Texas health ordinal: #307 of 386.
- Texas assets place: #191 of 386.
- Membership ranks #189 of 386 among Texas CUs with a reported count (4,298 members).
- One place up in Texas, SOUTHERN (#306) ties at 71/100; one place down, U. S. I. (#308) ties at 71/100.
How Caprock Santa Fe's 5300 filing moved
Caprock Santa Fe: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $51.3M (2025Q4) to $51.6M (2026Q1).
- Net-worth ratio shifted +0.36 pp (40.84% → 41.20%).
This credit union's 41.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Caprock Santa Fe gives up 29 points in total. Member Growth costs the most, 13.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.9 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 11.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 41.20% | +27.58 pp |
| Delinquency Rate | 1.82% | +0.85 pp |
| Return on Assets | 1.87% | +1.21 pp |
| Member Growth | -4.40% | - |
| Loan-to-Share Ratio | 51.24% | -11.36 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.6M | - |
| 2025Q4 | $51.3M | 4,298 |
| 2024Q4 | $49.6M | 4,496 |
| 2023Q4 | $48.6M | 4,547 |
Credit Union Details
- Charter Number
- 67441
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- SLATON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Caprock Santa Fe.
| Office | City |
|---|---|
| Caprock Santa Fe Credit Union (Main Office) | Slaton, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Caprock Santa Fe ranks #3,498 of 4,374 nationally on financial health and #307 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Highway District 21 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Highway District 21
Frequently Asked Questions
Is Caprock Santa Fe financially healthy?
On its 2025Q4 NCUA 5300 filing, Caprock Santa Fe scores 71/100 (Very Good), with a 41.20% net worth ratio and 1.82% of loans delinquent. It ranks #3,498 of 4,374 nationally on health and #307 of 386 in Texas.
How does Caprock Santa Fe compare to other credit unions?
Caprock Santa Fe scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (41.20% vs 13.62%). Its widest shortfall is loan-to-share ratio (51.24% vs 62.60%).
How can I join Caprock Santa Fe?
Membership eligibility for Caprock Santa Fe depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Caprock Santa Fe directly for current membership requirements and application steps.
Is my money safe at Caprock Santa Fe?
Caprock Santa Fe 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. Caprock Santa Fe's net worth ratio of 41.20% 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.