Caprock Federal Credit Union (NCUA charter #16813) is based in Lamesa, Texas. Its Q2 2026 call report shows $40.4M in total assets and $35.5M in member shares and deposits and 3 offices across 2 states.
Caprock Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 326th. Problem-loan coverage contributes the most (80/100, 9.9%); earnings contributes the least (22/100, 0.05%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 3 points (53 → 56), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 64 |
| Q4 2024 | 66 |
| Q1 2025 | 60 |
| Q2 2025 | 53 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 58 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.30% |
| Q3 2024 | 12.40% |
| Q4 2024 | 12.36% |
| Q1 2025 | 11.95% |
| Q2 2025 | 11.92% |
| Q3 2025 | 11.85% |
| Q4 2025 | 11.69% |
| Q1 2026 | 11.36% |
| Q2 2026 | 11.54% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.43% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.15% |
| Q3 2024 | -0.19% |
| Q4 2024 | -0.03% |
| Q1 2025 | -0.96% |
| Q2 2025 | -0.52% |
| Q3 2025 | -0.27% |
| Q4 2025 | -0.13% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $40.4M | 11.54% | 1.43% | 0.05% | 83.6% |
| Q1 2026 | 58 | $41.0M | 11.36% | 1.22% | 0.03% | 80.3% |
| Q4 2025 | 56 | $39.9M | 11.69% | 1.38% | -0.13% | 83.3% |
| Q3 2025 | 56 | $39.5M | 11.85% | 1.26% | -0.27% | 84.8% |
| Q2 2025 | 53 | $39.1M | 11.92% | 1.54% | -0.52% | 79.5% |
| Q1 2025 | 60 | $39.0M | 11.95% | 0.93% | -0.96% | 76.6% |
| Q4 2024 | 66 | $38.5M | 12.36% | 0.83% | -0.03% | 76.6% |
| Q3 2024 | 64 | $38.4M | 12.40% | 0.84% | -0.19% | 77.4% |
| Q2 2024 | 66 | $39.0M | 12.30% | 0.63% | -0.15% | 75.6% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| San Angelo Federal Credit UnionCredit union San Angelo, TX | 84 out of 100, Strong | $40.6M | 12.9% | 0.73% | vs |
| Keystone Credit UnionCredit union Tyler, TX | 80 out of 100, Strong | $40.2M | 27.4% | 0.68% | vs |
| Mesquite Credit UnionCredit union Mesquite, TX | 78 out of 100, Strong | $40.8M | 11.0% | 0.03% | vs |
| Old Ocean Federal Credit UnionCredit union Sweeny, TX | 98 out of 100, Very strong | $41.6M | 20.5% | 0.24% | vs |
| Members Financial Federal Credit UnionCredit union Midland, TX | 64 out of 100, Moderate | $38.6M | 8.8% | 0.16% | vs |
| Austin Federal Credit UnionCredit union Austin, TX | 58 out of 100, Moderate | $38.4M | 9.3% | 1.40% | vs |
Deposit insurance
Is my money safe at Caprock Federal Credit Union?
Yes. Caprock Federal Credit Union is a federally insured credit union (NCUA charter #16813). 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 15.4% of shares and deposits ($5.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.54%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Caprock Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:
- Lamesa, TX (1)
- Sandy, UT (1)
- Seminole, TX (1)
Identity & history
Profile
- Legal name
- Caprock Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16813
- RSSD ID
- 308283
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- Po Box 300, Lamesa, TX 79331
- Employees
- 16
Quick answers
Caprock Federal Credit Union: common questions
Is Caprock Federal Credit Union NCUA insured?
Yes. Caprock Federal Credit Union is a federally insured credit union (NCUA charter #16813). 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 Caprock Federal Credit Union's TellerScore?
56 out of 100 (Moderate), 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 Caprock Federal Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Lamesa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First United BankBank Dimmitt, TX | 77 out of 100, Strong | $2.4B | 11.2% | 0.41% | vs |
| The Lamesa National BankBank Lamesa, TX | 73 out of 100, Strong | $426.8M | 12.0% | 1.74% | vs |
| The State National Bank of Big SpringBank Big Spring, TX | 67 out of 100, Moderate | $640.0M | 11.2% | 1.63% | vs |