Sep, 30, 2025 — CAPITOL CREDIT UNION is a federally insured state chartered credit union headquartered in AUSTIN, TX with 3 branch locations and about $224.59 million in total assets. Opened 72 years ago in 1954, CAPITOL CREDIT UNION has about 13,706 members and employs 50 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CAPITOL CREDIT UNION |
|---|---|
| Address: (Main Office) | 11920 Alterra Pkwy AUSTIN, TX 78758 |
| Phone: | (512) 477-9465 |
| Fax: | (512) 719-4521 |
| Website: | https://www.ccutx.org |
| Branches: | 3 branch locations |
| Members: | 13,706 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67865 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $224,586,108 |
| CEO/Manager: | Pierre Cardenas |
| Chairperson: | Michael Jones |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 21,015,416 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 70,239,502 |
| Unsecured Loans | 11,340,413 |
| Other Loans | 82,394,118 |
| TOTAL LOANS | 163,974,034 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -987,077 |
| Land And Building | 7,644,824 |
| Other Fixed Assets | 1,047,277 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,748,325 |
| All Other Assets | 122,757 |
| TOTAL ASSETS | 224,586,108 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 213,416 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,672,350 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 62,078,174 |
| Regular shares | 73,121,082 |
| All Other Shares & Deposits | 59,895,223 |
| TOTAL SHARES & DEPOSITS | 195,094,478 |
| TOTAL LIABILITIES | 198,980,244 |
| Regular Reserve | 0 |
| Other Reserves | -1,371,331 |
| Undivided Earnings | 26,977,195 |
| TOTAL EQUITY | 25,605,864 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 224,586,108 |
| INCOME & EXPENSE | |
| Loan Income | 7,127,168 |
| Investment Income | 1,178,744 |
| Other Income | 684,564 |
| Total Employee Compensation & Benefits | 3,555,237 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,426,280 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 390,869 |
| Cost of Funds | 2,059,310 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 663,650 |
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