CAPITAL Credit Union Profile

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CAPITAL

Charter #61637 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (701) 255-0042

Fax: (701) 222-3996

Founding Date: N/A

Website: https://www.capcu.org/

Personnel & Operations

President: Miller, Faye

Manager: Griffin, Jon

FT Employees: 144

PT Employees: 9

Designations & Ratios

MDI Status: No

RBC Ratio: 16.62%

Membership Type: 99

Branches: 11

Hours: M-F Lobby 8:00-5:00 M-F Drive-up 8:00-6:00

Credit Union Profile Summary

CAPITAL is a FISCU Credit Union. With a total of 32,529 members ^[1], this institution manages approximately $832,730,807 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.89% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.35% ^[1].

Financial Snapshot

Total Assets ^[1]

$832,730,807

Total economic resources.

Total Loans ^[1]

$645,136,748

Total value of outstanding loans.

Total Deposits ^[1]

$704,964,324

Total funds deposited by members.

Members ^[1]

32,529

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.89%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.81%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

91.51%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.89%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 8.35%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 0.90%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

204 W Thayer Ave

Bismarck, ND, 58501

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 11 branches reported by CAPITAL (Charter #61637).

Main Office

Main Office Main Office

Type: Corporate Office

204 W Thayer Ave

Bismarck, ND 58501

Phone: (701) 255-0042

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Beulah

Type: Branch Office

Fargo 13th Ave

Type: Branch Office

4900 13th Ave S

Fargo, ND 58103

Phone: (701) 282-2139

Services: Member Services, ATM, Drive-Thru

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Fargo Veterans

Type: Branch Office

3216 Veterans Blvd S

Fargo, ND 58104-3304

Phone: (701) 282-2139

Services: Member Services, ATM, Drive-Thru

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Mandan

Type: Branch Office

600 E Main St

Mandan, ND 58554

Phone: (701) 255-0042

Services: Member Services, ATM, Drive-Thru

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New Salem

Type: Branch Office

316 Main Ave

New Salem, ND 58563

Phone: (701) 843-7504

Services: Member Services, ATM

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Pick City

Hazen

Type: Branch Office

145 Main Rd E

Pick City, ND 58545-7067

Phone: (701) 748-6868

Services: Member Services, ATM, Drive-Thru

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