Dec, 31, 2023 — CAPSTONE FEDERAL CREDIT UNION is a federal credit union headquartered in ALISO VIEJO, CA with 1 branch location and about $34.97 million in total assets. Opened 71 years ago in 1953, CAPSTONE FEDERAL CREDIT UNION has about 1,960 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CAPSTONE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3 POLARIS WAY STE 31B ALISO VIEJO, CA 92656 |
| Phone: | (800) 854-7125 |
| Fax: | (949) 349-2990 |
| Website: | https://www.capstonefcu.coop |
| Branches: | 1 branch locations |
| Members: | 1,960 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8611 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Sep 01, 2023 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $34,974,161 |
| CEO/Manager: | Candice Landeros |
| Chairperson: | Tim Albright |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,148,472 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,632,364 |
| Unsecured Loans | 1,517,139 |
| Other Loans | 5,950,078 |
| TOTAL LOANS | 12,099,581 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -31,839 |
| Land And Building | 0 |
| Other Fixed Assets | 13,275 |
| NCUSIF Deposit | 314,039 |
| All Other Assets | 0 |
| TOTAL ASSETS | 34,974,161 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 95,858 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,423,754 |
| Regular shares | 9,525,007 |
| All Other Shares & Deposits | 15,296,866 |
| TOTAL SHARES & DEPOSITS | 31,245,628 |
| TOTAL LIABILITIES | 31,341,486 |
| Regular Reserve | 0 |
| Other Reserves | -390,011 |
| Undivided Earnings | 4,022,686 |
| TOTAL EQUITY | 3,632,675 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 34,974,161 |
| INCOME & EXPENSE | |
| Loan Income | 517,286 |
| Investment Income | 488,603 |
| Other Income | 149,776 |
| Total Employee Compensation & Benefits | 363,964 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 580,651 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 28,074 |
| Cost of Funds | 274,903 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -97,612 |
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