Capstone
Capstone is a credit union based in Aliso Viejo, California, established in 1953, with $35 million in total assets serving 1,773 members. By Trust Grade it ranks 130th of 241 credit unions we track in California. Its net worth ratio of 11.7% trails most similarly sized credit unions (31th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.23% return on assets), a point to watch. No consumer complaints against Capstone appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Capstone compares to California peers
How we graded Capstone
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.7% capital ratio)
- Unprofitable over the period (ROA -0.23%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Capstone over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Capstone insured?
Yes. Capstone is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Capstone: frequently asked questions
Is Capstone a good credit union?
Capstone earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Strongly capitalized (11.7% capital ratio); Unprofitable over the period (ROA -0.23%).
Is Capstone NCUA-insured?
Yes. Capstone is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Capstone?
Capstone holds $35 million in total assets, ranking 130th of 241 credit unions we track in California. It serves 1,773 members.
Does Capstone have CFPB complaints?
No CFPB complaints against Capstone appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
