Overview / Commentary
Capital Federal Credit Union is headquartered in Lubbock and is the 329th largest credit union in the state of Texas. It is also the 3,797th largest credit union in the nation. It was established in 2021 and as of March of 2025, it had grown to 8 employees and 697 members at 2 locations. Capital Federal Credit Union has a C- health rating.
Health
C-
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Capital Federal Credit Union has a very low asset base, and a relatively short operating history.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 24930 |
| Year Chartered | 2021 |
| Employees | 8 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.04% |
| Return on Equity - YTD | 191.91% |
| Annual Interest Income | $83K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $7.4MM$6.8MM |
| Loans | Q1 2025vs Q1 2024 | $2.1MM$2.2MM |
| Deposits | Q1 2025vs Q1 2024 | $5.7MM$4.9MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1,000$17K |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $17K$30K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $5K$10K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |