CAPSTONE
Charter #8611 · ALISO VIEJO, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,773 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.24% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 2.49% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.30% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | CAPSTONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.57M | 71th pct | 33th pct |
| Members | 1,773 | 36th pct | 20th pct |
| Net worth ratio | 11.72% | 34th pct | 49th pct |
| Return on average assets | -0.24% | 14th pct | 8th pct |
| Net interest margin | 2.49% | 6th pct | 2th pct |
| Cost of funds | 1.30% | 71th pct | 87th pct |
| Loan-to-share | 42.28% | 24th pct | 43th pct |
| Delinquency 60+ days | 0.17% | 28th pct | 18th pct |
| Net charge-off ratio | 0.21% | 57th pct | 48th pct |
| Loan growth YoY | 0.42% | 73th pct | 64th pct |
| Share growth YoY | 3.75% | 63th pct | 75th pct |
| Efficiency ratio | 99.66% | 89th pct | 89th pct |
structural peer set hash: 272b02ff9d22b283d2e95e6bc7024334… (reproducible)
Closest structural peers
This is the free public view
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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.