Capstone Federal Credit Union is a federal credit union headquartered in Aliso Viejo, California, in business for about 73 years. At the end of Q2 2026 it reported $31.9M in total assets and $27.9M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Capstone Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 168th. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 3% uninsured), and its lowest is earnings (19/100; -0.03%).
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 fell 13 points (75 → 62), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 73 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 71 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.74% |
| Q3 2024 | 11.93% |
| Q4 2024 | 12.11% |
| Q1 2025 | 11.60% |
| Q2 2025 | 12.02% |
| Q3 2025 | 11.96% |
| Q4 2025 | 12.13% |
| Q1 2026 | 11.72% |
| Q2 2026 | 12.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.17% |
| Q2 2026 | 1.69% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.10% |
| Q1 2025 | -0.09% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.05% |
| Q1 2026 | -0.23% |
| Q2 2026 | -0.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $31.9M | 12.75% | 1.69% | -0.03% | 44.9% |
| Q1 2026 | 71 | $34.6M | 11.72% | 0.17% | -0.23% | 42.3% |
| Q4 2025 | 75 | $33.6M | 12.13% | 0.07% | 0.05% | 45.8% |
| Q3 2025 | 75 | $34.0M | 11.96% | 0.06% | 0.02% | 43.7% |
| Q2 2025 | 75 | $33.8M | 12.02% | 0.00% | 0.01% | 40.3% |
| Q1 2025 | 73 | $35.0M | 11.60% | 0.05% | -0.09% | 38.2% |
| Q4 2024 | 75 | $33.6M | 12.11% | 0.08% | 0.10% | 40.1% |
| Q3 2024 | 75 | $34.2M | 11.93% | 0.06% | 0.16% | 38.8% |
| Q2 2024 | 76 | $34.7M | 11.74% | 0.01% | 0.19% | 40.1% |
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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| Hanin Federal Credit UnionCredit union Los Angeles, CA | 69 out of 100, Moderate | $32.4M | 13.8% | 1.07% | vs |
| Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $30.1M | 12.1% | 0.03% | vs |
| Antioch Community Federal Credit UnionCredit union Antioch, CA | 79 out of 100, Strong | $33.8M | 15.2% | 1.53% | vs |
| Sun Pacific Federal Credit UnionCredit union Richmond, CA | 81 out of 100, Strong | $29.9M | 20.5% | 1.16% | vs |
| Utility District Credit UnionCredit union Oakland, CA | 71 out of 100, Strong | $34.2M | 9.3% | 0.57% | vs |
Deposit insurance
Is my money safe at Capstone Federal Credit Union?
Yes. Capstone Federal Credit Union is a federally insured credit union (NCUA charter #8611). 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 3.4% of shares and deposits ($943K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Capstone Federal Credit Union lists 1 office in 1 city. Most locations:
- Aliso Viejo, CA (1)
Identity & history
Profile
- Legal name
- Capstone Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8611
- RSSD ID
- 133980
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 3 Polaris Way Ste 31b, Aliso Viejo, CA 92656
- Employees
- 5
Quick answers
Capstone Federal Credit Union: common questions
Is Capstone Federal Credit Union NCUA insured?
Yes. Capstone Federal Credit Union is a federally insured credit union (NCUA charter #8611). 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 Capstone Federal Credit Union's TellerScore?
62 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 Capstone Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Aliso Viejo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |