Capstone

ALISO VIEJO, CA · 1 · Charter #8611 · www.capstonefcu.coop
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$33.6M
82th percentile
Members
1,785
60th percentile
Total loans
$13.4M
74th percentile
Total shares
$28.4M
82th percentile

Profitability

Return on assets
0.05%
18th percentile
Net interest margin
2.35%
7th percentile
Efficiency ratio
69.09%
44th percentile
Non-interest income ratio
11.48%
58th percentile

Capital & Risk

Net worth ratio
12.13%
31th percentile
Delinquency rate
0.07%
79th percentile
Net charge-off rate
0.09%
62th percentile
Loan-to-share
47.01%
30th percentile

Growth

Member growth YoY
-4.55%
20th percentile
Asset growth YoY
0.06%
42th percentile
Loan growth YoY
12.76%
92th percentile
Share growth YoY
1.34%
55th percentile

Operations

Members / branch
1,785
73th percentile
Assets / member
$18,811
94th percentile
Field of membership penetration
0.68%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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