# CAPITOL
Austin, TX · NCUA charter 67865 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/capitol-67865

Who the members are: state charter, organized 1954, low-income designated. 14,217 members of 1,404,419 potential (1.0% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $232.3M |
| Members | 14,217 (5.9% YoY) |
| Full-time staff | 47 |
| Net worth | $27.9M |
| Net worth ratio | 12.0% (p61 of band) |
| ROA (annualized) | 0.28% (p20 of band) |
| Total delinquency | 0.16% (p9 of band) |
| Net charge-offs (annualized) | 0.17% (p24 of band) |
| Loans / shares | 85% (p78 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p59 of band) |
| Operating expense / assets | 4.27% (p74 of band) |
| Vehicles % of loans | 49% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 22% |
| Third-party paper % of net worth | 85% (p52 of band) |
| Vehicle delinquency | 0.19% (p15 of band) |
| Vehicle NCO | 0.25% (p25 of band) |
| Repossessed % of vehicle book | 0.12% (p76 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 14% |
| Average share balance | $7,555 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.1M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 23% |
| Average loan balance | $20,168 |
| Loans granted, annualized | $70.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.1M outstanding purchased (47.1% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, capital below 7%, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 3 |  | capital below 7% |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | delinquency rising |  |
| 2019-09 | 3 |  | delinquency rising |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | thin capital |
| 2020-12 | 2 | margin squeeze | 3rd-party paper>100% NW |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | margin squeeze, net worth falling |
| 2021-12 | 2 | 3rd-party paper>100% NW |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 |  | auto monoline |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | delinquency rising, members leaving |  |
| 2023-06 | 3 | assets shrinking | members leaving |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | net worth falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | 3rd-party paper>100% NW |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 1 |  | delinquency rising |

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

- 2025-12-09 [$210M state library and archives building underway in Pflugerville - Community Impact](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNc3JXYmw2d1pYdXNnNlUzY2J1azJfUlNoQTFmTkduRzU5YUdOTWg1ckxBaVhxQTZLYXNSUDJ5WXhWX01aWndUbDl4Zi1SUy1tV2MxLW5vMXh6cWpnWWFhS2FHX3hsSFdpR2s0WE5PaGFMbXo3NS1QbVVhVTRoc1N3OWN5VjJVT2ppaGxXbm83d3lSZ1Fwa3FHLUlxZk90SGd3RWVSN3JwZHEtLXgzZUlURnBCOExFZnBZZUdjU3lPSXdBcWM?oc=5) · Community Impact
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- 2021-07-06 [Austin man accused of participating in Jan. 6 Capitol riot dies in motorcycle wreck - KVUE](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNb2c1YU1vRGRtLW9Zc1pUQTQ5ekVhTU9mOUFLT0g3ZkJ3R2VWV0RIUEVEZHc5NnIwb3FuUmo2UGdZOFF3dGt1VFdwSTNQYVNYaUppWjV2YXJiUHpKa3pBbGhnNHVhdXFPbXlzYWxKdHFmc2NhODJJYTJjLUJNWDA4eUNZakFNXzllaGVhdjJ0eVl5N2ExUEJlVkdKalVoTlA3S1hUMDlOYXlyU2JZeEtiUHEwa21FQUFab2pVMVBvRzFlTlRaem1RQ05QRkI3SDBHUGJ5a01YOEZBS3YzaVZUa2wtWkV1MXFESERUMU1WTmlCSFBQQkE?oc=5) · KVUE
- 2022-03-18 [El Mercado's downtown Austin property sold; site to be redeveloped - Austin American-Statesman](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQRWFDU1lIR1lnS2lYY2RCbk5UZzFwUFotajVUNGhzZkFteGt6WnRMQmNlMVZlUVRIenJ6eXhmZ3pCNVRUYld1TnBkanZfeGJfMzI4c0dMQXB1N1Rkd2tYNXhCWDRZbjBsaG5UcVFzODE0RWw0SGwyUmxWNHpYcFp2Qnl0TTl6OEJ5NWtlMXBuTVltTUlnLUJVRzdUUkVKRlFlRFdqUUVmZlh5akY2Ml9tWmJfbmRqa1E0ejNDa2cxZ0M?oc=5) · Austin American-Statesman
- 2020-05-04 [Edgar Chew Obituary - Burnet, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE9aQkRnd3o2dG9Wc2NSZmlPb2UxdDdsOGlCblF1djdaNUY0VlRBZnhPRWxtdV81aFFJOWw1X19EcXRpVzBIVERkZElzdVoyWEZyQWRjUk1mSUp6dTdSSUhpaUFsUTE3OVlXX0NOT29QZS1zd2VBaTFJRUVHdw?oc=5) · Dignity Memorial
- 2025-06-11 [BABYMETAL New Album METAL FORTH Out August 8 Via Capitol Records - Outburn](https://news.google.com/rss/articles/CBMiW0FVX3lxTE16RVBva3p1ZG14WjdfejNVTE5PTW9HbVRwU1JvaGVicjZ5Q0ZNWHBqOG5uLS1WRUsyV3dWYUl4VER2RTgzdGFmMGlqYmt2eUF3cFo3RTNTT1B6amc?oc=5) · Outburn
- 2024-05-10 [Traffic’s Dave Mason Readies Memoir ‘Only You Know And I Know’ - Wildfire Music + News](https://news.google.com/rss/articles/CBMingFBVV95cUxPcXZ5MmdZRm5JWnFyN0Q3dG9TYmJUQWgzbk94WWFuZExQUWs4V3VSUzdNelVCbzZtVm10NzBEeE10TG9PUXg3MkFXd0tCVUh2MGYtWUdlNW5TeWw5Q1J3MXEyVl91b3BQQW1Ybk5ReWhSUnhnNlJLRnBjT1o2UHo2VzQxUnV3RWFrTllmZGJhZC1WTjNsMDFlVFd2WkM1dw?oc=5) · Wildfire Music + News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67865 (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/25.json (key "67865", 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=67865
- 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