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
Call Report peers
CAPITAL in the assets neighbourhood
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
CAPITAL sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in North Dakota, Med Park (#11) scores 88/100, 1 point higher; one place down, Fargo Public Schools (#13) ties at 87/100.
CAPITAL Call Report trajectory
CAPITAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $889.6M (2025Q4) to $907.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (12.93% → 12.91%).
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
CAPITAL gives up 13 points in total. Delinquency Rate costs the most, 8.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is CAPITAL financially healthy?
CAPITAL has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,632 of 4,374 nationally on health and #12 of 29 in North Dakota. Its net worth ratio is 12.91% and its delinquency rate 1.43%.
How does CAPITAL compare to other credit unions?
CAPITAL scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.63% vs 83.90%). Its widest shortfall is delinquency rate (1.43% vs 0.87%).
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?
CAPITAL is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.