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
Call Report peers
CAPSTONE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CAPSTONE sits in 75-79 with 502 others.
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
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%).
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.
- One place up in California, California Adventist (#189) ties at 75/100; one place down, MERIWEST (#191) ties at 75/100.
How CAPSTONE's 5300 filing moved
CAPSTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $33.6M (2025Q4) to $34.6M (2026Q1).
- Net-worth ratio shifted -0.41 pp (12.13% → 11.72%).
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
CAPSTONE gives up 25 points in total. Member Growth costs the most, 14.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CAPSTONE financially healthy?
CAPSTONE has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,277 of 4,374 nationally on health and #190 of 243 in California. Its net worth ratio is 11.72% and its delinquency rate 0.07%.
How does CAPSTONE compare to other credit unions?
CAPSTONE scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.07% vs 1.15%). Its widest shortfall is loan-to-share ratio (45.80% vs 59.80%).
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?
CAPSTONE 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. CAPSTONE's net worth ratio of 11.72% 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.