Capitol Credit Union Austin, Texas
Capitol Credit Union is a state-chartered credit union headquartered in Austin, TX (NCUA charter 67865), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,690 members and total assets of $233.9M (up 6.0% from Q2 2025), the 92nd largest of 377 credit unions headquartered in Texas. Its net worth ratio was 11.98% at Q2 2026, in the well capitalized band.
Also written as Capitol CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67865
- Headquarters
- Austin, TX
- Established
- Not reported
- Total assets, Q2 2026
- $233.9M
- Assets vs Q2 2025
- +6.0%
- Members, Q2 2026
- 13,690
- Net worth ratio, Q2 2026
- 11.98%
- Latest call report
- Q2 2026, NCUA 5300 · Capitol Credit Union call report
- Asset rank in state
- 92nd of 377 in Texas
- Routing number
- 314977191
- Branches
- 3
It has 287 more members than on June 30, 2025 (+2.1%). Its net worth ratio was down 0.32 percentage points from 12.30% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $75.2M of $173.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.98% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Texas
Frequently asked about Capitol Credit Union
How big is Capitol Credit Union?
At Q2 2026 it reported total assets of $233.9M and 13,690 members.
Where is Capitol Credit Union headquartered?
It is headquartered in Austin, TX, United States.
Is Capitol Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67865): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Capitol Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Capitol Credit Union well capitalized?
Its net worth ratio was 11.98% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Capitol Credit Union's delinquency ratio?
Its delinquency ratio was 0.20% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Capitol Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Austin, TX 78754
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67865
- RSSD ID
- 629894
- Members
- 13,690
- Potential members
- 1,404,419
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.98% | 11.43% | 56th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.22% | 0.81% | 12th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 1.86% | 7.02% | 11th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.76% | 3.70% | 54th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 92.01% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.29% | 1.24% | 46th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.20% | 0.68% | 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.05% | 4.92% | 57th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.35% | 75.66% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$233.9M total assets against $220.6M; $203.6M total shares and deposits against $192.1M; $173.8M total loans against $161.1M.
$28.1M net worth against $27.2M.
11.98% net worth ratio against 12.30%.
85.35% loan-to-share ratio against 83.83%.
0.20% delinquency ratio against 0.31%.
0.22% return on assets against 0.43%; 1.86% return on equity against 3.49%.
3.76% net interest margin against 3.85%.
13,690 members against 13,403.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.98% | 0.22% | 0.20% | 85.35% |
| March 31, 2026 | 12.01% | 0.28% | 0.16% | 85.42% |
| December 31, 2025 | 12.07% | 0.94% | 0.28% | 84.47% |
| September 30, 2025 | 12.11% | 0.51% | 0.22% | 84.05% |
| June 30, 2025 | 12.30% | 0.43% | 0.31% | 83.83% |
| March 31, 2025 | 12.17% | 0.25% | 0.23% | 78.14% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.