Caprock Santa Fe Credit Union Slaton, Texas
Caprock Santa Fe Credit Union is a state-chartered credit union headquartered in Slaton, TX, established in 1954 (NCUA charter 67441), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,179 members and total assets of $51.5M (up 3.0% from Q2 2025), the 186th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 41.73% at Q2 2026, in the well capitalized band.
Also written as Caprock Santa Fe 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
- 67441
- Headquarters
- Slaton, TX
- Established
- 1954
- Total assets, Q2 2026
- $51.5M
- Assets vs Q2 2025
- +3.0%
- Members, Q2 2026
- 4,179
- Net worth ratio, Q2 2026
- 41.73%
- Latest call report
- Q2 2026, NCUA 5300 · Caprock Santa Fe Credit Union call report
- Asset rank in state
- 186th of 377 in Texas
- Routing number
- 311389119
- Branches
- 1
It has 249 fewer members than on June 30, 2025 (-5.6%). Its net worth ratio was up 0.87 percentage points from 40.86% on June 30, 2025. Used vehicle loans are its largest loan category, $7.0M of $14.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.77% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 41.73% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Caprock Santa Fe Credit Union
How big is Caprock Santa Fe Credit Union?
At Q2 2026 it reported total assets of $51.5M and 4,179 members.
Where is Caprock Santa Fe Credit Union headquartered?
It is headquartered in Slaton, TX, United States.
When was Caprock Santa Fe Credit Union founded?
It was established in 1954, per NCUA records.
Is Caprock Santa Fe Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67441): 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 Caprock Santa Fe 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 Caprock Santa Fe Credit Union well capitalized?
Its net worth ratio was 41.73% 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 Caprock Santa Fe Credit Union's delinquency ratio?
Its delinquency ratio was 1.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Caprock Santa Fe Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Slaton, TX 79364
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 67441
- RSSD ID
- 830690
- Members
- 4,179
- Potential members
- 5,200
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 41.73% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.90% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.55% | 4.74% | 49th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.04% | 3.93% | 55th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 53.36% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.24% | 0.78% | 25th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.77% | 0.86% | 29th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.28% | 4.70% | 74th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.44% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$51.5M total assets against $50.0M; $29.6M total shares and deposits against $29.2M; $14.6M total loans against $16.4M.
$21.5M net worth against $20.5M.
41.73% net worth ratio against 40.86%.
49.44% loan-to-share ratio against 56.21%.
1.77% delinquency ratio against 1.80%.
1.90% return on assets against 2.30%; 4.55% return on equity against 5.62%.
4.04% net interest margin against 4.26%.
4,179 members against 4,428.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 41.73% | 1.90% | 1.77% | 49.44% |
| March 31, 2026 | 41.20% | 2.38% | 1.81% | 48.95% |
| December 31, 2025 | 40.84% | 1.97% | 1.82% | 51.24% |
| September 30, 2025 | 40.81% | 2.36% | 1.97% | 54.05% |
| June 30, 2025 | 40.86% | 2.30% | 1.80% | 56.21% |
| March 31, 2025 | 40.55% | 1.83% | 2.12% | 57.08% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.