Federal credit union · ALISO VIEJO, California · NCUA charter #8611
CAPSTONE
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $33.6M
- Total assets
- 1,785
- Members
- 11.7%
- Net-worth ratio
CAPSTONE scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.6M; members 1,785; net-worth ratio 11.72%; health rank #3,277 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,277 of 4,374 health · 2025Q4CAPSTONE · health 75/100 · $33.6M · 2025Q4
- NW 75/100
- DELQ 11.7%
- ROA 0.07%
- ASSETS 0.10%
- MEM $33.6M
- RANK 1,785
- PHOTO #3,277/4,374
- BOOK SEI
- CHARTER 8611
Call Report peers
CAPSTONE in the assets neighbourhood
CAPSTONE's $33.6M assets sit next to SEI ($33.5M) 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.
CAPSTONE 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
75 24th percentile higher than 24% 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
CAPSTONE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8611, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for CAPSTONE
- Largest favorable gap: Delinquency Rate at 0.07% vs peer 1.15% (-1.07 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.00 pp (45.80% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CAPSTONE sits in California
- In California, health place is #190 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #203 of 243 inside California ($33.6M reported).
- California membership ordinal: #213 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CAPSTONE's 5300 filing moved
CAPSTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $33.6M (2025Q4) to $34.6M (2026Q1).
- Net-worth ratio shifted -0.41 pp (12.13% → 11.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.9 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 10.3 pts
CAPSTONE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.72% | -3.14 pp |
| Delinquency Rate | 0.07% | -1.07 pp |
| Return on Assets | 0.10% | -0.61 pp |
| Member Growth | -4.55% | - |
| Loan-to-Share Ratio | 45.80% | -14.00 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).
Call Report history - CAPSTONE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.6M | - |
| 2025Q4 | $33.6M | 1,785 |
| 2024Q4 | $33.6M | 1,870 |
| 2023Q4 | $35.0M | 1,960 |
Credit Union Details
- Charter Number
- 8611
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- California
- City
- ALISO VIEJO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CAPSTONE.
| Office | City |
|---|---|
| Capstone Federal Credit Union (Main Office) | ALISO VIEJO, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for CAPSTONE, both outside California 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 ($33.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- CAPSTONE ranks #3,277 of 4,374 nationally on financial health and #190 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Valley
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 CAPSTONE financially healthy?
CAPSTONE scores 75/100 (Very Good) 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 #3,277 of 4,374; by total assets it ranks #2,758 of 4,374 nationally (same basis as /rankings/largest); and #203 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.72% net worth ratio and a 0.07% delinquency rate.
How does CAPSTONE compare to other credit unions?
CAPSTONE scores 75/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 CAPSTONE?
CAPSTONE 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 CAPSTONE directly for the exact boundaries and application steps.
Is my money safe at CAPSTONE?
Federal credit unions like CAPSTONE 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. CAPSTONE's net worth ratio of 11.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPSTONE offer compared to banks?
Credit unions like CAPSTONE 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 CAPSTONE 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.