Credit Union Safety Analysis
Is Capitol Credit Union Safe? Austin, Texas
Based on its Q2 2026 NCUA 5300 call report, Capitol Credit Union has a net worth ratio of 11.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Capitol Credit Union's net worth ratio is 11.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 85.35%
Capitol Credit Union (NCUA charter 67865) reported $233.9M in assets and 13,690 members for Q2 2026 from Austin, Texas. It ranks 92 of 377 credit unions in Texas by total assets. Total assets grew 6.0% from $220.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.01% for Q1 2026; 12.30% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.16% for Q1 2026; 0.31% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.28% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 85.42% for Q1 2026; 83.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $75.2M
- Used vehicle loans: $69.8M
- New vehicle loans: $14.8M
- Other unsecured loans and lines of credit: $7.6M
- Unsecured credit card loans: $3.2M
- Other secured non-real estate loans and lines of credit: $2.9M
- Non-federally guaranteed student loans: $248K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $233.9M | 11.98% | 0.20% | 0.22% | 85.35% |
| March 31, 2026 | $232.3M | 12.01% | 0.16% | 0.28% | 85.42% |
| December 31, 2025 | $229.8M | 12.07% | 0.28% | 0.94% | 84.47% |
| September 30, 2025 | $224.6M | 12.11% | 0.22% | 0.51% | 84.05% |
| June 30, 2025 | $220.6M | 12.30% | 0.31% | 0.43% | 83.83% |
| March 31, 2025 | $221.0M | 12.17% | 0.23% | 0.25% | 78.14% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67865) · FFIEC NIC profile (RSSD 629894)
Frequently asked questions
Is Capitol Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Capitol Credit Union's net worth ratio is 11.98%, above the 7% NCUA threshold for well capitalized.
Is Capitol Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Capitol Credit Union is a federally insured credit union (NCUA charter 67865): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Capitol Credit Union's key safety ratios?
For Q2 2026, Capitol Credit Union reports net worth 11.98%, delinquency 0.20%, ROA 0.22%, loan-to-share 85.35%.
What happens to my money if Capitol Credit Union fails?
For Q2 2026, Capitol Credit Union held $203.6M in shares and deposits for 13,690 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.