# CAPITAL
Green Bay, WI · NCUA charter 66865 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/capital-66865

Who the members are: state charter, organized 1934. 127,670 members of 2,126,533 potential (6.0% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.84B |
| Members | 127,670 (3.4% YoY) |
| Full-time staff | 435 |
| Net worth | $337.0M |
| Net worth ratio | 11.8% (p70 of band) |
| ROA (annualized) | 0.98% (p74 of band) |
| Total delinquency | 0.77% (p66 of band) |
| Net charge-offs (annualized) | 0.28% (p22 of band) |
| Loans / shares | 99% (p87 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 4.22% |
| Net interest margin | 3.14% (p39 of band) |
| Operating expense / assets | 2.74% (p25 of band) |
| Vehicles % of loans | 32% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 183% (p64 of band) |
| Vehicle delinquency | 1.39% (p88 of band) |
| Vehicle NCO | 0.87% (p44 of band) |
| Repossessed % of vehicle book | 0.03% (p33 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 101% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 29% |
| Average share balance | $9,083 |
| Participations bought / yr | $54.6M |
| Participations sold / yr | $1.7M |
| Participations outstanding | $85.5M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $28,666 |
| Loans granted, annualized | $796.6M |

## Participation posture (from the same filings)

Bought $54.6M and sold $1.7M in the latest annualized quarter; $85.5M outstanding purchased (25.4% of net worth), $13.3M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 8.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 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
- 2026-08-01 [See photos from Megadeth concert at Capital Credit Union Park - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPZ09YTHFsVWZTbUdWUFRIOW1nNDRkVk01eERZNHN1dlBhVlZoQ29zLVBMMnhtWTM0YjM4Ti1pS0VBWDl3anN6bHViY2Fja3BLVE05S2RHZHBzWHFGNXBVYXoyU081a29hTl9FbFo0QVZ5MXVRMGtfWWZZT0JzNGdIeHMzYWotM3EtVHJnX09FVnZJeHNLZEdGdFJOVkxpSDB4YmpjeV84UlFKNVhKS1hRak1FeHM2MzN3OFVBMTM3QXQ5b0ZwamZDOC1ieU5fanpwb2o1NjExQQ?oc=5) · Green Bay Press-Gazette
- 2026-05-19 [Megadeth to perform at Capital Credit Union Park in August - WBAY](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSWdyREtQZzdqRXRwQjFRb3FpNHFSUl95cl8zZ3ZYWF9kSTRBMkw2aVZHbWZ2Zi11dVFwVzVoVlJPVVVKQ2hRZGhzVjkyaVAwdDd3OTJTWDdELU13TTVqdHQwclJOMllSRm1uUjNoMmhEWll0aHBJME9qUzEyZXhZd0E0QjBPcHlIR3c?oc=5) · WBAY
- 2026-04-07 [Lynyrd Skynyrd to play Capital Credit Union Park in Ashwaubenon on Sept. 3 - WLUK](https://news.google.com/rss/articles/CBMimgJBVV95cUxPa3lkS213R3pPeGtWbkUxX21HX25wZENxMG94dURLcFBPOTNsNXdGQkFFaXJmcmRYOW5QY0NoRGZlVjhfY0huRTZRbHJtRUlub0pWeW44WXBCM2tLQzZLSmpmX3c1Ym9JcEh1VjA3RUVjQzNJOFFTM0hJSjJRbzRuenRYamNqNGYwRFpZQ0p3WEhvQ0FIbzRyQ3A3dF9ONVRmRjhwMllHMUlVVEFDdXZfOHZXQmJhbUpEdzM3Q292WWhvZFlTLTMzaWF3U3V5RlhieTI0WDhZR05NeGV6Y1V0dy1MTFVzTWpyNnZfeU91QjBNc2trU3BmNFFoSWNSMk9ZWktvQTNxcTNVT3VVRGhZc3llcEhkVTJrWWc?oc=5) · WLUK
- 2026-03-31 [Capital Credit Union opens branch inside Kaukauna Piggly Wiggly - Kaukauna Community News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPQlVEX3NXY1RXY3dsNG5ULUFkTUc1ZEZsUnB3OHA5eHp3VEVCMldtdjNPRmlLYXVob3NkZFlwNUZmMEw0NzQxSEdXMnFjQjVZNzVTRWItUkhsTzMwSDhYUzBMd01ZWEVJUmkyXzNNX3IxZ1EtQkR4c29QNzZ2YmRxOHdxQ2NyYmZWZEtxSlk0bFhKN2ZDMUpBUFBMX2NHdDE2ejg4VFI1WlBGaVd4cVE?oc=5) · Kaukauna Community News
- 2025-09-04 [Butz, CEO of Capital Credit Union, is UW-Oshkosh 2025 Distinguished Alumni - University of Wisconsin–Oshkosh](https://news.google.com/rss/articles/CBMirAFBVV95cUxQbUVoVHFJZXhLMWFfU0pvVkFOVEZrd25hckM2MW9KVm5YRUtYeVVVM0Jwc3VpdFA4SExyQ3FxMk5HSXYwaVp4M3pwbWlQMkdfTVgtU18wUDhscjdSMm91VXJzT2ctNXRJcHk4T0I0RXRIMDlxMEtCekpuSVJubS1qRFFkVjNGaEtpNHBLQ3ZudkphSDlHNHVBNXREMGFhQ2NTb3pranhIbGFZU3RV?oc=5) · University of Wisconsin–Oshkosh
- 2025-08-08 [Capital Credit Union is proud to announce the promotion of Lydia Lynch - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPVy1GbWdQNUUxdHhJV3RrYXlCTDdpeWU3WDlFcGh0OGVQbGhGS0VkT21zMFBrTEctMGc2TTFVQ1RhUG1IVGU5dlRrYzdWR2VwNlFZMWtYeEdmelJ6X3BrNjhiWnBFUlFRX29BSVJFZ0FsRGxWc210SlRjeGZJRHVsNlplbnlXNFZkZ3hKemZwV3ZwNEpkTVVCSFAtM1JNUFdvakYxN0FWb1RKQTdaaHhfWQ?oc=5) · CUInsight
- 2026-04-07 [Lynyrd Skynyrd to perform at Capital Credit Union Park - WBAY](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQkpHZGxVWDBtYVJiYW1FaTNVenNvRDl2eFQ3RFNvRExMY09HdkJEZ1FYYlFyUUpoWGNacXREdzhFSlljVEtYcFdnanJtY2d3RFNZZkxfUHBjdWhlTnlUTGRCWG5iUkJYYVZySXQxYXdKd1lGeVJ3d3NiYjZEV0h1Y0JlbTZNdlZFbnVDQ1pFQU9Ha0c3WVE?oc=5) · WBAY

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66865 (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/49.json (key "66865", 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=66865
- 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