State credit union · Green Bay, Wisconsin · NCUA charter #66865
CAPITAL
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.78B
- Total assets
- 127,388
- Members
- 11.8%
- Net-worth ratio
CAPITAL scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.78B; members 127,388; net-worth ratio 11.85%; health rank #1,273 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,273 of 4,374 health · 2025Q4CAPITAL · health 89/100 · $2.78B · 2025Q4
- PHOTO 89/100
- BOOK 11.8%
- CHARTER 1.01%
- NCUSIF 0.77%
- CAMELS $2.78B
- HEALTH 127,388
- NW #1,273/4,374
- DELQ Lake Trust
- ROA 66865
Call Report peers
CAPITAL in the assets neighbourhood
CAPITAL's $2.78B assets sit next to Lake Trust ($2.79B) 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
89 Top 31% higher than 69% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66865. See our deposit-insurance coverage note.
Peer-gap read for CAPITAL
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +18.08 pp (101.98% vs 83.90%).
- Largest lag: Delinquency Rate at 1.01% vs peer 0.87% (+0.14 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for CAPITAL
- In Wisconsin, health place is #49 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 100 inside Wisconsin ($2.78B reported).
- Wisconsin membership ordinal: #11 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CAPITAL's 5300 filing moved
CAPITAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $2.78B (2025Q4) to $2.84B (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.86% → 11.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 15.0 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 10.1 pts
Call Report ratios for CAPITAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.85% | +0.67 pp |
| Delinquency Rate | 1.01% | +0.14 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 4.17% | - |
| Loan-to-Share Ratio | 101.98% | +18.08 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).
Call Report history - CAPITAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.84B | - |
| 2025Q4 | $2.78B | 127,388 |
| 2024Q4 | $2.58B | 122,293 |
| 2023Q4 | $2.43B | 118,339 |
Credit Union Details
- Charter Number
- 66865
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Green Bay
- Data Quarter
- 2025Q4
Branch Locations (25)
CAPITAL operates 25 offices across 12 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Morris Avenue (Main Office) | Green Bay, WI |
| College Avenue | Appleton, WI |
| Wisconsin Ave | Appleton, WI |
| Darboy | Appleton, WI |
| West De Pere | De Pere, WI |
| Ledgeview | De Pere, WI |
| The Ridge | De Pere, WI |
| Freedom | Freedom, WI |
| Main Street | Green Bay, WI |
| Cardinal Lane | Green Bay, WI |
| Taylor Street | Green Bay, WI |
| Allouez | Green Bay, WI |
| Velp Avenue | Green Bay, WI |
| Huron Road | Green Bay, WI |
| Lineville Road | Green Bay, WI |
| Bellevue | Green Bay, WI |
| Greenville | Greenville, WI |
| Kaukauna | Kaukauna, WI |
| Eisenhower | Kimberly, WI |
| Little Chute | Little Chute, WI |
| Neenah | Neenah, WI |
| Oshkosh | Oshkosh, WI |
| Shawano | Shawano, WI |
| Door County East | Sturgeon Bay, WI |
| Door County West | Sturgeon Bay, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
CAPITAL nationwide neighbourhoods
Cross-state asset and health neighbours for CAPITAL - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.78B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- CAPITAL ranks #1,273 of 4,374 nationally on financial health and #49 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALTRA
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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?
A 11.85% net worth ratio and a 1.01% delinquency rate feed into CAPITAL's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,273 of 4,374; by total assets it ranks #177 of 4,374 nationally (same basis as /rankings/largest); and #11 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does CAPITAL compare to other credit unions?
89/100 is CAPITAL's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 11.85% 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.