Credit union · NCUA insured
Capstone Federal Credit Union
A $34.6M credit union headquartered in Aliso Viejo, CA, with 1,773 members and 1 branch in California. Best rates: CDs 4.59% and savings 1.21% APY.
Capstone Federal Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#50 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Capstone Federal Credit Union
Capstone Federal Credit Union is a member-owned financial cooperative based in Aliso Viejo, California.
- Headquarters
- 3 Polaris Way Ste 31B, Aliso Viejo, CA 92656
- NCUA charter
- 8611
Branches
1 branch in California
Loading map…
California
1 branch
- Capstone Federal Credit UnionMain office3 Polaris Way, Ste 31B, Aliso Viejo, CA 92656Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.75% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $45 | $59 | — |
- CapitalNet worth ratio12.75%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$45Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Capstone Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.