State credit union · Bismarck, North Dakota · NCUA charter #61637
CAPITAL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $889.6M
- Total assets
- 32,626
- Members
- 12.9%
- Net-worth ratio
CAPITAL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $889.6M; members 32,626; net-worth ratio 12.91%; health rank #1,632 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,632 of 4,374 health · 2025Q4CAPITAL · health 87/100 · $889.6M · 2025Q4
- RANK 87/100
- PHOTO 12.9%
- BOOK 1.43%
- CHARTER 0.68%
- NCUSIF $889.6M
- CAMELS 32,626
- HEALTH #1,632/4,374
- NW Nutmeg State Financial
- DELQ 61637
Call Report peers
CAPITAL in the assets neighbourhood
CAPITAL's $889.6M assets sit next to Nutmeg State Financial ($888.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CAPITAL vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CAPITAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61637 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where CAPITAL diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +5.73 pp (89.63% vs 83.90%).
- Largest lag: Delinquency Rate at 1.43% vs peer 0.87% (+0.56 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CAPITAL sits in North Dakota
- North Dakota health ordinal: #12 of 29.
- By total assets, CAPITAL is #2 of 29 in North Dakota.
- North Dakota membership ordinal: #2 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CAPITAL Call Report trajectory
CAPITAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $889.6M (2025Q4) to $907.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (12.93% → 12.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for CAPITAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.91% | +1.73 pp |
| Delinquency Rate | 1.43% | +0.56 pp |
| Return on Assets | 0.68% | +0.17 pp |
| Member Growth | 1.30% | - |
| Loan-to-Share Ratio | 89.63% | +5.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
CAPITAL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $907.8M | - |
| 2025Q4 | $889.6M | 32,626 |
| 2024Q4 | $815.3M | 32,206 |
| 2023Q4 | $755.8M | 31,429 |
Credit Union Details
- Charter Number
- 61637
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Dakota
- City
- Bismarck
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for CAPITAL, spread across 6 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Bismarck, ND |
| Northwest | Bismarck, ND |
| North | Bismarck, ND |
| South | Bismarck, ND |
| Sunrise | Bismarck, ND |
| Fargo 13th Ave | Fargo, ND |
| Fargo Veterans | Fargo, ND |
| Fargo Central | Fargo, ND |
| Flasher | Flasher, ND |
| Hazen | Hazen, ND |
| Mandan | Mandan, ND |
| New Salem | New Salem, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
CAPITAL's nationwide photo peers by assets and by health score, excluding North Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($889.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- CAPITAL ranks #1,632 of 4,374 nationally on financial health and #12 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Town and Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Town and Country
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CAPITAL financially healthy?
CAPITAL has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,632 of 4,374; by total assets it ranks #516 of 4,374 nationally (same basis as /rankings/largest); and #2 of 29 within North Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.91% and delinquency rate of 1.43%.
How does CAPITAL compare to other credit unions?
CAPITAL scores 87/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CAPITAL?
Membership eligibility for CAPITAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CAPITAL directly for current membership requirements and application steps.
Is my money safe at CAPITAL?
Federal credit unions like CAPITAL are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CAPITAL's net worth ratio of 12.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CAPITAL offer compared to banks?
Credit unions like CAPITAL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CAPITAL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.