# CAPITAL
Bismarck, ND · NCUA charter 61637 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/capital-61637

Who the members are: state charter, organized 1939, low-income designated. 32,476 members of 472,320 potential (6.9% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $907.8M |
| Members | 32,476 (1.1% YoY) |
| Full-time staff | 136 |
| Net worth | $117.2M |
| Net worth ratio | 12.9% (p81 of band) |
| ROA (annualized) | 0.96% (p71 of band) |
| Total delinquency | 1.53% (p94 of band) |
| Net charge-offs (annualized) | 0.22% (p24 of band) |
| Loans / shares | 89% (p75 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 1.41% |
| Net interest margin | 3.55% (p58 of band) |
| Operating expense / assets | 3.43% (p42 of band) |
| Vehicles % of loans | 11% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 11% |
| Third-party paper % of net worth | 9% (p20 of band) |
| Vehicle delinquency | 0.57% (p49 of band) |
| Vehicle NCO | 0.63% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 275% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 29% |
| Average share balance | $8,498 |
| Participations bought / yr | $0 |
| Participations sold / yr | $340,992 |
| Participations outstanding | $242,843 |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $36,772 |
| Loans granted, annualized | $417.7M |

## Participation posture (from the same filings)

Bought $0 and sold $340,992 in the latest annualized quarter; $242,843 outstanding purchased (0.2% of net worth), $55.0M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares 7.8% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 1 |  | loans>95% of shares |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2017-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 0 |  | 3rd-party paper>100% NW |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 4 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | charge-offs p90 | delinquency rising |
| 2020-12 | 4 | delinquency rising | net worth falling |
| 2021-03 | 1 |  | margin squeeze, charge-offs p90, delinquency rising |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | delinquency rising, charge-offs p90 |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling, delinquency 2x band | charge-offs p90 |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | delinquency rising, delinquency 2x band |
| 2026-03 | 2 | net worth falling, delinquency 2x band |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-29 [A latte and a loan? Coffee shops move into credit union buildings in Bismarck - KFYR-TV](https://news.google.com/rss/articles/CBMiogFBVV95cUxQd0RZaEJjMFU1MDhXbE02dG1selhSMzhpUlEwNng2SE1pZnpaRzlsY0Iyc1NyR0pLUFB4cGdTQnVHVVBfZGpodlVvQVRJZmRDMENTNVJfeENQRHBCS1NjZjQ2SzBrV0lZcGhrU0FGckFiN2ZoY1YyZ2E5UWpKM2ZmaVFVeDRJbTlrT21pXzB0ZjhlbnF3UnVlbkFJMjhpX2dBZEHSAbYBQVVfeXFMT1V5MTNvdjNHWTJaM3VGMlBWeUZpTDlLN2NoN3pqTmJibEFrTlZUaVBrdEQ1NThsZWVnZlpwMExTeS1nRUVjYlk5dmhUSDhCQjdWLUVHNV96NzYtVEItMmZxTy1wdGhiNlBSakJmaG1vS1pabTBpTFlud2JrdFFadVM1R21RWV9MZTF6VjJmQmRKTHMzWXdxNEROTDFEWHJTWVVpa3JncDNRalNTY2E4Wlp4Y21RY2c?oc=5) · KFYR-TV
- 2026-01-26 [Community Capital: How Credit Unions and Universities Partner to Strengthen Wisconsin - Universities of Wisconsin](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTHV1UmxibmNYUU4yU1lTTDNGSXMyNDVfZGY5NjRtcjFXUjdqek5yWWkxdFV5RHhBbS1QYnMzVndCcW5xRExjWlZnUVQ5UlhXSldYMzhkTVcxNHg1d3FtQ1lVejJaV3FjVVJaalBfS1VxejgwWDUzdmNtN2ZSSnRmcmpoQ05UM20zUHpEQlprNG5pTXRYSmtxbVBORENXLTlFMk90UmZuenFrbzEyS1lCT0hOUjQyQ1dzQ2RyYVlSSWZrakxtWVc1OHB2Y2RKYVE?oc=5) · Universities of Wisconsin
- 2025-10-22 [Hartford and Capital Credit Union clash over $3 million in bankruptcy battle - Insurance Business](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQNkdSTW96WUhxRC1YZnJnY3dHN21PUTl1VkYtVmpOdEJXMzFDUzg5YnBIdmI5YmdvZUhjT2VhUjJNZk5OR1JUak9tTW01MTlNb1l5QTR3M2t2LWF4M1hNNlBFSUZRZ1EyWFBVazEwNmV0MXpwOGpvQUhEU29JSnFzal9JaEdBSFNCRFVkWkZCR0xzQnBrUnlvWkhIOW5NWXBnenNVVkR1bjdmX3F0ZmdRS0FFTGR1RWJ1anE1OTY2NzZQcjFhTV91WDdhUXN3T0hjb3JSZ3E1UHAxUWJxdHFQdV9YSFdabVJjb1E?oc=5) · Insurance Business
- 2025-09-23 [Capital Credit Union to open new Fargo branch in 2026 - CUInsight](https://news.google.com/rss/articles/CBMimgFBVV95cUxQN1pTZEFkY2VxaFJzYllnWXNlc2NucmFHbGtxY3VUMVpzM1ByTVJpVG9jYzdRcnZ0MHlWQTJKNkRGejVjWVN1d2xlTlNCV2gzTjdJalMzY21tclJQOElMQzRabUg2U2ZfSVNLSnh0T2dRSmFfZ19LVHJNU0JFc3J5djhvUm9FME5DU1hEdVhCaGNfdk9yMjZJRFB3?oc=5) · CUInsight
- 2026-08-19 [A new wave of mergers is transforming B.C.’s credit unions - Business in Vancouver](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSy1IdmwzWlJqWm9zYmhOSkd1TDM5ZlB0QWI4SUI0LXlVZGp1azk2SU5RbFdEcmRJWG43WFpZaFhaY0YyWnFiVHVJbVk0MEFHXzhTT3Jzajg5QllYY1R4clB3ZEhRLXhJX1h5V1dDY0xhRWdkZHFkUENseWl3ZTZSaWctbmhMeUZ2RVFOVm4xVWNLY3c?oc=5) · Business in Vancouver
- 2026-07-08 [Capital Credit Union Promotes Bruhn - InForum](https://news.google.com/rss/articles/CBMipgFBVV95cUxPOEpLSXMtUThXZXo3S2hoeE10eXN2YWxTaVpDMy16SHJneThKSWtITi1lR0pRUzhsWEZtYzltZTNpdEZVVEhmbTlmLWxORkNPWU4wanpPMkJOVjY0cTllWWhieDROUmN5RDg3Vmhlc1Vfbmk5NGZmc0VJdWVYdS1XVkZBSDd3QUxOTXA5YnVRZWZnR2w1X2lxeXpRU0VNREtjaWxzbmd3?oc=5) · InForum
- 2026-05-13 [Sunshine Coast Financial merges into Canada's largest purpose-driven credit union - Coast Reporter](https://news.google.com/rss/articles/CBMiygFBVV95cUxNZlFCbUJpWlYwYVNsdWhxYmk3MF9fN3NVWEd5QWlrM1VFa1VBR3djeG5XS2V4RGRXckdPbFd4bmdvaXdLOGxfclRFb3RlWmJzbEtNUTNTdkNCekExRmRIZDZRWm1samNyUUxqMlBTeEw3YmEzUTROUXd6T0V2T1NDUms5RVFwV1pULTBnNUFvZjFjM3psUmtOeTdIc0pCRGwwT3VmLUNLRG54b3NkUUVWeUItX3ZMRWxYVEVUS2lSNGNEdWRta1pqeVVn?oc=5) · Coast Reporter
- 2021-01-19 [Sean Smith, ’08, promoted at Capital Credit Union - University of North Dakota (UND)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNNUtnMVc5dDhFQWU4Q1lITjBKbVlXSlN3RGMxLUd5X2VaVmZHOUVoZnVFNHJLYkZjTzJKbkhrOG1PLXkxOXRiVGtNSXJublRCNDhkOVVUZHQtazdkUGtiWUNIZVp1cWRqQ2lIbG15NmJ2OUI5SVNpRHEwWEhJQWFKd1BzRVVOT3AyWnFV?oc=5) · University of North Dakota (UND)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61637 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/5.json (key "61637", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61637
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide