Sep, 30, 2025 — CAPSTONE FEDERAL CREDIT UNION is a federal credit union headquartered in ALISO VIEJO, CA with 1 branch location and about $34.02 million in total assets. Opened 73 years ago in 1953, CAPSTONE FEDERAL CREDIT UNION has about 1,815 members and employs 5 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: | 1,815 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8611 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $34,020,476 |
| CEO/Manager: | Candice Landeros |
| Chairperson: | Sherry H Fordham |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,678,315 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,124,841 |
| Unsecured Loans | 1,334,893 |
| Other Loans | 4,409,264 |
| TOTAL LOANS | 12,868,998 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -18,607 |
| Land And Building | 0 |
| Other Fixed Assets | 17,578 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 285,385 |
| All Other Assets | 0 |
| TOTAL ASSETS | 34,020,476 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 698,142 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,388,264 |
| Regular shares | 7,433,399 |
| All Other Shares & Deposits | 16,638,624 |
| TOTAL SHARES & DEPOSITS | 29,460,287 |
| TOTAL LIABILITIES | 30,158,429 |
| Regular Reserve | 0 |
| Other Reserves | 1,130,240 |
| Undivided Earnings | 2,731,807 |
| TOTAL EQUITY | 3,862,047 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 34,020,476 |
| INCOME & EXPENSE | |
| Loan Income | 485,681 |
| Investment Income | 386,839 |
| Other Income | 116,309 |
| Total Employee Compensation & Benefits | 238,621 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 450,941 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 629 |
| Cost of Funds | 294,106 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,532 |
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