# CAPITAL
Lubbock, TX · NCUA charter 24930 · asset band <$50M · latest filing 2025-12 · stopped filing after 2025-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/capital-24930

Who the members are: federal charter, multiple common bond, organized 2021, low-income designated. 854 members of 2,135 potential (40.0% of the field); checking penetration 12% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.2M |
| Members | 854 (32.6% YoY) |
| Full-time staff | 10 |
| Net worth | $1.1M |
| Net worth ratio | 25.7% (p87 of band) |
| ROA (annualized) | -2.79% (p3 of band) |
| Total delinquency | 0.26% (p32 of band) |
| Net charge-offs (annualized) | 2.52% (p96 of band) |
| Loans / shares | 54% (p41 of band) |
| Cash / assets | 57.4% |
| Borrowings / assets | 28.44% |
| Net interest margin | 5.05% (p84 of band) |
| Operating expense / assets | 41.90% (p100 of band) |
| Vehicles % of loans | 77% (p77 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 72% (p95 of band) |
| Vehicle delinquency | 0.01% (p29 of band) |
| Vehicle NCO | 2.04% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $3,179 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 44% |
| Average loan balance | $5,054 |
| Loans granted, annualized | $93.8M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)
- **leaning on borrowings** (`str_borrowings`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2021-12 | 1 | leaning on borrowings |  |
| 2022-03 | 3 | losing money, auto monoline |  |
| 2022-06 | 3 | net worth falling | losing money |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | losing money |  |
| 2023-03 | 6 | expense trap, delinquency rising |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 4 |  | net worth falling, delinquency rising |
| 2024-03 | 3 |  | losing money |
| 2024-06 | 4 | net worth falling |  |
| 2024-09 | 6 | delinquency rising, assets shrinking, loan book shrinking | net worth falling |
| 2024-12 | 7 | losing money, delinquency 2x band | assets shrinking |
| 2025-03 | 5 | margin squeeze, charge-offs p90 | delinquency rising, loan book shrinking, losing money, delinquency 2x band |
| 2025-06 | 7 | delinquency 2x band, delinquency rising, assets shrinking | margin squeeze |
| 2025-09 | 6 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2025-12 | 7 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Best CD rates of September 2026: Earn up to 5.00% APY - CNBC](https://news.google.com/rss/articles/CBMiakFVX3lxTE05Rk8tUzJNSHB6LVlZZHZaYVAxZVVZWWVQWU4zQTZmb0Q5UEg3S2draXlqeC1DRjc5blAxZkJwbDM5NnlydGZEUjBaRjFhT2hucENzRGYxLWc2M2RqSGoxeHcwaURuSkF5VEHSAW9BVV95cUxOUks1LWZibHRZMEF3QVpWUllJZjVYTGJ0TV8yYnRsTnRuZ3NNbnFHQUtGUC1RcF9JOEhieExVLUNjbGZ6VUdEY09zY1hvSkdMMkd1RUh6UTB5TjhYd2ZNVEtyTk13OTdQM1ktbEVZTWM?oc=5) · CNBC
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer &amp; Kolbe
- 2026-07-03 [RevlTek Secures Financing from Texas Capital to Expand Responsible Lending Initiatives - natlawreview.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNbWVHZ003SnBjZ29pNGpzeWtVT2sxR0ZxaDFGUGtDSUwyaVhIZHJTeUlhVGNMOEZEVTlNeENrQlkyRWluSm1zcy04WWtPM2dTVDBIX3N6M05CYzdCOUFxV3oxVUNYeWtIRktHUVp3aXNZWU1pbERZeGZ0Z3BqNm9WOHZfSWhLQlZBLXlkLWhVRUdZT0lLOENyVHFSbGQ0YzhYTDF1STNhdU9Ldw?oc=5) · natlawreview.com
- 2026-03-04 [First Community Credit Union buys 20-story building for new Houston headquarters - The Real Deal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSUFCUktnRmliNERXQUJESXNhWFBxbUtJekZ6eFNTajJ4a3JWNXMzNVIwSko1UTNPMzB3M2RQLUMtVmpmQ1BJZVAyS1paM1NzMWpmYnZxYmNPeUNxbWJER0c5NTgyWTFqcF9nTmtCZUtpWXg3S0I2S1c4QmxBZUxwcFhMMmNwMDhVUVFiaEkwYml2RnB5OWVyRE1nMWNGSDF2UE9fMi1JZ2lYbjA?oc=5) · The Real Deal
- 2022-02-11 [Capital Federal Credit Union opens in Lubbock to serve underserved communities - KCBD](https://news.google.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?oc=5) · KCBD
- 2022-02-18 [Capital Federal Credit Union launches with vision to serve underserved communities - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQQ3ZXSXVrcUJQRmprajNnWTVwU1Q4NW1TdjhWdHpnNTBmcnBocTVLajI2RWlBQmZoLVRGTkJJb2lXUGZhOVI1V002Q1BhOUJPdEt0SFUwTE1xeHJjcXY0OVRsYXZGWElCNnpuVVZrWFlzbnZsSU96aG9tTkZFdldDdlRfRkFZMkdxa0hJbWlqbFNyWEQ4aWVGcFhpcV8wdVo5UHdzT3gyYTNlZ05tSkhid3czQzVfOGNhaXV0QjdfM2J0RlFzcl8tSmVOQTd3R1p0d1JhTg?oc=5) · Lubbock Avalanche-Journal
- 2024-03-07 [Plaintiffs and intervenors file summary judgment motion in Texas lawsuit challenging CFPB small business data collection rule - Consumer Finance Monitor](https://news.google.com/rss/articles/CBMihwJBVV95cUxOM1drSFpFMXVuZTZDTGtYSzluSzlpMHpKR3lOcmRlbWdSdEtlXzlMMVY4OUZhd2NOdDBXZTl6dUZmVERLRVl0OWg2VHhMYzJyNWFxS2M2S3hiNVoxd0FrMFRqc0VXUURiR016M0VVUkh3c0FQaGd3d2J5dXUwdmpOYldPWEFhUTdOUmp2OWZUVHdtamlKSFQzVDhnX1hiS0NKeHQ1TDRueU9URlVrNHVOTG9hY0JCUWk0S2VRTzc1WmEtVTVFQlc2THZoUGVQX1lmNmRvOUJHVDh6RWhIeUZsV3gwZU5VakhkRTJwT1pxNFFhcXZzb0E2M25Da3N0SEZCREhOLVNhYw?oc=5) · Consumer Finance Monitor

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24930 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "24930", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24930
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide