CU Explorer
Credit unions · California · Q2 2026

Capstone FCU

Credit union in Aliso Viejo, CA · NCUA charter #8611 · Federal charter

Legal name: Capstone

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$31.9M
Total loans & leases$12.5M
Total shares & deposits$27.9M
Members1,755
Net worth$4.1M
Net worth / assets12.75%
Loans / assets39.18%
Return on assets (annualized)−0.03%
Loan growth (YoY)6.62%
Member growth (YoY)−4.10%
Delinquency, all loans (60+ days)1.69%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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