Dec, 31, 2020 — CAPSTONE FEDERAL CREDIT UNION is a federal credit union headquartered in ALISO VIEJO, CA with 1 branch location and about $39.49 million in total assets. Opened 68 years ago in 1953, CAPSTONE FEDERAL CREDIT UNION has about 2,221 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: | http://www.capstonefcu.coop |
| Branches: | 1 branch locations |
| Members: | 2,221 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8611 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Dec 01, 2020 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $39,489,839 |
| CEO/Manager: | Candice Landeros |
| Chairperson: | Sherry H Fordham |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,739,876 |
| TOTAL INVESTMENTS | 23,358,758 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,182,137 |
| Unsecured Loans | 1,748,023 |
| Other Loans | 3,893,752 |
| TOTAL LOANS | 12,823,912 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -66,892 |
| Land And Building | 0 |
| Other Fixed Assets | 24,700 |
| NCUSIF Deposit | 292,166 |
| All Other Assets | 1,317,319 |
| TOTAL ASSETS | 39,489,839 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 142,398 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,158,317 |
| Regular shares | 12,592,568 |
| All Other Shares & Deposits | 14,259,035 |
| TOTAL SHARES & DEPOSITS | 35,009,920 |
| TOTAL LIABILITIES | 35,152,318 |
| Regular Reserve | 1,328,218 |
| Other Reserves | 232,336 |
| Undivided Earnings | 2,776,967 |
| TOTAL EQUITY | 4,337,521 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 39,489,839 |
| INCOME & EXPENSE | |
| Loan Income | 535,168 |
| Investment Income | 512,027 |
| Other Income | 136,695 |
| Total Employee Compensation & Benefits | 379,287 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 559,444 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -14,997 |
| Cost of Funds | 102,017 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 158,139 |
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