CAPITOL
Charter #67865 · Austin, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.28% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.17% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.35% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CAPITOL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $232.34M | 59th pct | 57th pct |
| Members | 14,217 | 55th pct | 43th pct |
| Net worth ratio | 12.01% | 57th pct | 70th pct |
| Return on average assets | 0.28% | 21th pct | 21th pct |
| Net interest margin | 3.70% | 53th pct | 28th pct |
| Cost of funds | 0.00% | 2th pct | 5th pct |
| Loan-to-share | 85.42% | 80th pct | 69th pct |
| Delinquency 60+ days | 0.16% | 10th pct | 7th pct |
| Net charge-off ratio | 0.17% | 27th pct | 13th pct |
| Loan growth YoY | 5.45% | 89th pct | 80th pct |
| Share growth YoY | 3.75% | 54th pct | 48th pct |
| Efficiency ratio | 91.35% | 88th pct | 89th pct |
structural peer set hash: 2e2db03f5560c0076768aa619f5c6ba9… (reproducible)
Closest structural peers
This is the free public view
Claim CAPITOL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.