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Credit union call report ยท Aliso Viejo, CA

Capstone Federal Credit Union Call Report

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Capstone Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 248 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Capstone Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number8611
Federal Reserve RSSD ID133980

The official copy: search charter number 8611 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Capstone Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Capstone Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $202K
1c. Total Cash on Hand 730A $202K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $604K
2. Cash on Deposit (total) 730B $604K
3. Time Deposits in Banks and Credit Unions AS0007 $14.7M
4. All Other Deposits AS0008 $11K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $15.6M
8. Available-for-Sale Debt Securities AS0067 $2.1M
11. TOTAL INVESTMENT SECURITIES AS0013 $2.1M
12b. Perpetual Contributed Capital 769B $58K
12c. All Other Investments AS0016 $100K
13. TOTAL OTHER INVESTMENTS AS0017 $158K
15a. Number of Total Loans and Leases 025A 810
15b. Total Loans and Leases 025B $12.5M
17. ACL on Loans and Leases AS0048 $29K
20. Other Fixed Assets 008 $11K
21. NCUA Share Insurance Capitalization Deposit 794 $279K
22d. Accrued Interest on Loans 009A $59K
22e. Accrued Interest on Investments 009B $54K
22f. All Other Assets 009C $1.2M
22g. Total Other Assets AS0036 $1.3M
23. TOTAL ASSETS 010 $31.9M
Accounts Payable and Other Liabilities 825 $175K
Member Shares of All Types 013 $27.9M
Total Shares and Deposits 018 $27.9M
Undivided Earnings 940 $2.7M
Other Reserves 658 $1.3M
Total Net Worth 997 $4.1M
Net Worth Ratio 998 12.75%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $31.9M
Statement of Income and Expense (20 items)
Capstone Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $360K
3. Income from Investments 120 $292K
5. TOTAL INTEREST INCOME 115 $652K
6. Dividends on Shares 380 $193K
9. TOTAL INTEREST EXPENSE 350 $193K
10. NET INTEREST INCOME IS0010 $459K
12a. Credit Loss Expense - Loans and Leases IS0011 $33K
12e. Total Credit Loss Expense IS0017 $33K
13. Fee Income 131 $73K
23. TOTAL NON-INTEREST INCOME 117 $73K
24. Employee Compensation and Benefits 210 $185K
25. Travel and Conference 230 $399
26. Office Occupancy 250 $30K
27. Office Operations 260 $206K
28. Educational and Promotional 270 $24K
29. Loan Servicing 280 $18K
30. Professional and Outside Services 290 $35K
33. Miscellaneous Operating Expense 360 $5K
34. TOTAL NON-INTEREST EXPENSE 671 $503K
35. NET INCOME 661A -$4K
Statement pages - all other filed accounts (22 items)

delinquency (21%), credit cards (21%)

Capstone Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $26K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $211K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $22K
Loans Granted Year-to-Date 031A $32
Amount of Loans Granted Year-to-Date 031B $798K
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $211K
Number of current members (not number of accounts) 083 1,755
Number of potential members 084 264,000
Interest Rate of Unsecured Credit Card Loans 521 1,100.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 850.00%
Interest Rate of New Vehicle Loans 523 570.00%
Interest Rate of Used Vehicle Loans 524 575.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $22K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $82
Total Amount of All Other Shares 630 $367K
Amount of Regular Shares 657 $7.3M
Amount of Share Drafts 902 $5.2M
IRA/KEOGH Accounts - < 1 Year 906A $1.4M
Share Certificates - < 1 Year 908A $5.5M
Total Amount of Share Certificates 908C $6.2M
Total Amount of Money Market Shares 911 $7.4M
Number of Used Vehicle Loans 968 208
NCUA data file FS220A (26 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Capstone Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $27.2M
Total Shares - 1-3 Years 013B1 $714K
Total Shares - > 3 Years 013B2 $8K
Total Shares and Deposits - < 1 Year 018A $27.2M
Total Shares and Deposits - 1-3 Years 018B1 $714K
Total Shares and Deposits - > 3 Years 018B2 $8K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Effective date of last audit 063 $112K
Amount of Used Vehicle Loans 370 $1.9M
Amount of New Vehicle Loans 385 $1.4M
Amount of Unsecured Credit Card Loans 396 $1.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $290K
Share Certificates 451 $190
Number of Accounts for Share Drafts 452 950
IRA/KEOGH Accounts 453 $67
Number of Accounts for Regular Shares 454 1,773
All other shares 455 $206
Money Market Shares 458 $131
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,317
Number of credit union employees who are Full-Time (26 hours or more) 564A 4
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 1
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $15K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,800.00%
Number of Outstanding Indirect Loans 617A 168
Total Amount of Outstanding Indirect Loans 618A $1.5M
Total credit lines 881 $3.0M
NCUA data file FS220B (22 items)

maturity and repricing buckets (40%), credit cards (17%)

Capstone Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $22K
Number - Total Delinquent Credit Card Loans 045A 3
Total Amount of Delinquent Unsecured Credit Card Loans 045B $22K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $943K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $943K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $26.9M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $367K
Amount of Regular Shares - < 1 Year 657A $7.3M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $12K
Amount of Share Drafts - < 1 Year 902A $5.2M
IRA/KEOGH Accounts - 1-3 Years 906B1 $42K
Total Amount of IRA/KEOGH Accounts 906C $1.4M
Share Certificates - 1-3 Years 908B1 $672K
Share Certificates - > 3 Years 908B2 $8K
Money Market Shares - < 1 Year 911A $7.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $690K
Number of New Vehicle Loans 958 62
Total Shares 966 $3K
Number of Unsecured Credit Card Loans 993 366
Number of All Other Unsecured Loans/Lines of Credit 994 42
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 11
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Capstone Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.5M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $653K
Outstanding balance of brokered certificates of deposit and share certificates 788 $249K
NCUA data file FS220D (23 items)

member services and products offered (69%), CUSO relationships (27%)

Capstone Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
First Time Homebuyer Program 879B4 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Capstone Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $1.5M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $1.3M
Total Credit Lines at Corporate Credit Unions 884 $3.0M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Capstone Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $7.3M
NCUA data file FS220I (6 items)

vehicle lending (59%), delinquency (44%)

Capstone Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $4K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $1K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $82
Commercial Share Accounts 643 $141K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $2K
Number of International Remittances originated Year-to-Date 928 16
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Capstone Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $810
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.5M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $4.2M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 700.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 600.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 578.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $213K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $3.5M
NCUA data file FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Capstone Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $3.8M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.0M
Total Unfunded Commitments for Non-Commercial Loans 816T $7.3M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $475K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 15
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 110
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 7
NCUA data file FS220N (7 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Capstone Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $312K
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $283K
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $1.5M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$203K
Total Liabilities LI0069 $28.0M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $31K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $31.9M
NCUA data file FS220P (10 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Capstone Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $9K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $189K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $189K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Number of Indirect Loans - New and Used Vehicle Loans IN0001 88
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $131K
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 79
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $1.3M
Number of Indirect Loans - All Other Loans IN0007 1
Amount of Indirect Loans - All Other Loans IN0008 $1
NCUA data file FS220Q (26 items)

investment portfolio detail (69%)

Capstone Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $2.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $2.1M
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $2.1M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $2.1M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $2.1M
Total Fair Value Available-for-Sale Debt Securities NV0084 $2.1M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.2M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $5.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $2.7M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.7M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $2.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $158K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $158K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $6.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $4.3M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $17.0M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Endorsement - Cash Surrender Value NV0173 $964K
RBC Total Equity RB0001 $4.1M
RBC Allowance for Credit Losses RB0002 $29K
RBC Total Additions RB0005 $29K
RBC Total Deductions RB0009 $279K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.8M
RBC Risk-Based Capital Numerator RB0012 $3.8M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $131K
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $1
NCUA data file FS220R (32 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Capstone Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $2.3M
RBC Schedule Total Consumer Loans RB0060 $4.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $29K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $29K
RBC Schedule Total Loans RB0079 $12.5M
RBC Total for Risk Weighting Total Loans RB0081 -$29K
RBC Total Loans 0% Weight RB0082 -$29K
RBC Schedule Total Other Assets RB0088 $1.6M
RBC Total for Risk Weighting Other Assets RB0090 $279K
RBC Other Assets 0% Weight RB0091 $279K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $31.9M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $250K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $250K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $31.9M
RBC Allowance for Credit Losses (Loans) RB0177 $29K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 10.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,955,183.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 5.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 510,128.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $3.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 3.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 83,252.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 107.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 4,069,723.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 466,030.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $4.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $466K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $125
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $7.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $466K
Total Shares SH0013 $27.9M
Total Shares and Deposits SH0018 $27.9M

Capstone Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Capstone Federal Credit Union call report?

The Capstone Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Capstone Federal Credit Union file?

Capstone Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Capstone Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Capstone Federal Credit Union is 8611.

How often does Capstone Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Capstone Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.