TellerScore

Capitol Credit Union is a federally insured state-chartered credit union headquartered in Austin, Texas, in business for about 72 years. At the end of Q2 2026 it reported $233.9M in total assets and $203.6M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Capitol Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 205th. Its strongest component is problem-loan coverage (97/100; 1.3%), and its lowest is earnings (30/100; 0.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.98%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings30/100
Return on assets (annualized): 0.25%
Funding & liquidity75/100
Loans ÷ shares: 85.3% · 8.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 71).

TellerScore
717374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202474
Q4 202474
Q1 202573
Q2 202572
Q3 202573
Q4 202573
Q1 202672
Q2 202671
Net worth ratio
7.00%9.65%12.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.30%
Q3 202412.28%
Q4 202412.24%
Q1 202512.17%
Q2 202512.30%
Q3 202512.11%
Q4 202512.07%
Q1 202612.01%
Q2 202611.98%
Delinquent loans (60+ days)
0.12%0.21%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.12%
Q4 20240.17%
Q1 20250.23%
Q2 20250.31%
Q3 20250.22%
Q4 20250.28%
Q1 20260.16%
Q2 20260.20%
Return on assets
0.22%0.37%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.22%
Q3 20240.28%
Q4 20240.35%
Q1 20250.25%
Q2 20250.34%
Q3 20250.39%
Q4 20250.52%
Q1 20260.28%
Q2 20260.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$233.9M11.98%0.20%0.25%85.3%
Q1 202672$232.3M12.01%0.16%0.28%85.4%
Q4 202573$229.8M12.07%0.28%0.52%84.5%
Q3 202573$224.6M12.11%0.22%0.39%84.0%
Q2 202572$220.6M12.30%0.31%0.34%83.8%
Q1 202573$221.0M12.17%0.23%0.25%78.1%
Q4 202474$218.6M12.24%0.17%0.35%78.4%
Q3 202474$215.3M12.28%0.12%0.28%83.4%
Q2 202473$214.9M12.30%0.16%0.22%82.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.98%
57th
Problem loans0.20%
89th
Net charge-offs0.21%
69th
Return on assets0.25%
14th
Loans to deposits85.3%
28th
Uninsured deposits8.7%
24th
Loan-loss reserves0.00%
50th
Texas ratio1.3%
86th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pantex Federal Credit UnionCredit union Borger, TX90 out of 100, Very strong$233.4M22.3%0.69%vs
Sabine Federal Credit UnionCredit union Orange, TX69 out of 100, Moderate$235.3M12.3%0.79%vs
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
The People'S Federal Credit UnionCredit union Amarillo, TX58 out of 100, Moderate$229.0M9.1%1.15%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Harris County Federal Credit UnionCredit union Houston, TX84 out of 100, Strong$223.3M22.9%1.62%vs

Deposit insurance

Is my money safe at Capitol Credit Union?

Yes. Capitol Credit Union is a federally insured credit union (NCUA charter #67865). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.7% of shares and deposits ($17.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Capitol Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Capitol Credit Union reported 219 home-loan applications under HMDA (LEI 549300I3SDXHG6BUD309): 107 originated ($15,835,000 total), 35 denied, and 62 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Capitol Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67865
RSSD ID
629894
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 81647, Austin, TX 78708
Employees
52

Quick answers

Capitol Credit Union: common questions

Is Capitol Credit Union NCUA insured?

Yes. Capitol Credit Union is a federally insured credit union (NCUA charter #67865). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Capitol Credit Union's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Capitol Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Pecu Credit UnionCredit union Austin, TX86 out of 100, Very strong$431.4M14.8%0.47%vs
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Lcra Credit UnionCredit union Austin, TX83 out of 100, Strong$20.2M16.0%0.41%vs
Vatat Credit UnionCredit union Austin, TX82 out of 100, Strong$11.0M17.9%0.74%vs
The City National Bank of TaylorBank Taylor, TX82 out of 100, Strong$250.3M12.9%0.38%vs