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Overview / Commentary
204 W Thayer Ave
Bismarck, ND 58501

Capital Credit Union (ND) is headquartered in Bismarck and is the 2nd largest credit union in the state of North Dakota. It is also the 601st largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 101 employees and 28,643 members. Capital Credit Union (ND) has a A+ health rating.

Field of Membership Restrictions

Joining Capital Credit Union is easy! You can apply for Capital Credit Union membership by fulfilling just one of these requirements: -- You live in Dickinson, ND -- You live within 75-miles of Bismarck, ND -- You live within 75-miles of Hazen, ND -- You live within 75-miles of Fargo, ND -- You live within 50-miles of Beulah, ND -- You live within 50-miles of New Salem, ND -- Your immediate family lives within 50-miles of Bismarck, ND. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Capital Credit Union (ND) had $1.07 million in non-current loans and owned real-estate with $36.21 million in equity and loan loss allowances on hand to cover it. This gives Capital Credit Union (ND) a Texas Ratio of 2.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Capital Credit Union (ND) decreased dramatically from 28.21% as of March 31, 2013 to 2.95% as of March 31, 2014, resulting in a positive change of 89.54%.This indicates that the balance sheet and financial strength for Capital Credit Union (ND) has improved dramatically in recent periods.

Deposit Growth


In the past year, Capital Credit Union (ND) has increased its total deposits by $304.21 million, resulting in 1,620.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capital Credit Union (ND) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capital Credit Union (ND) has $362.05 million in assets with $36.21 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

NCUA #61637
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$362.05 million
Loans$256.48 million
Deposits$322.99 million
Equity Capital$34.45 million
Loan Loss Allowance$1.76 million
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$0
Historic Data - March 2013
Assets$20.24 million
Equity Capital$1.44 million
Loan Loss Allowance$120,000
Unbacked Noncurrent Loans$1.07 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.07%
Return on Assets1%
Return on Equity10.48%
Interest Income$3.17 million

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Capital Credit Union (ND) Savings Account Rates

0.10%$50k-Traditional IRA Share
0.10%$50k-Roth IRA Share
0.10%$50k-Education Share
0.05%--Regular Shares - With Life Insurance
0.05%--Regular Shares - Without Life Insurance
0.05%--Special Shares
0.05%--Home Sweet Home Club
0.05%--CU Save
0.05%--Transactional Account
0.05%--Business Transactional Account

Capital Credit Union (ND) Money Market Rates

0.10%$50k-Money Market
0.10%$50k-Relationship Money Market

Capital Credit Union (ND) Checking Account Rates

0.05%$500-CU Connect Checking
0.05%$500-CU Advance Checking
0.05%$500-Business Checking
0.05%$2,500-Premium Business Checking

Capital Credit Union (ND) CD Rates

1.40%$2,500-60 Month CD
1.35%$2,500-54 Month Bump-a-Rate CD
1.30%$2,500-61 Month Bump-a-Rate CD
1.10%$2,500-48 Month Bump-a-Rate CD
0.85%$2,500-36 Month CD
0.50%$2,500-24 Month CD
0.40%$2,500-18 Month CD
0.35%$2,500-15 Month CD
0.30%$2,500-12 Month CD
0.25%$2,500-9 Month CD
0.20%$500-24 Month Young Adult CD
0.15%$2,500-6 Month CD
0.15%$500-12 Month Young Adult CD
0.10%$500-6 Month Young Adult CD
0.10%$100-6 Month CU Save CD

Capital Credit Union (ND) IRA Rates

1.40%$2,500-60 Month IRA CD
1.35%$2,500-54 Month Bump-a-Rate IRA CD
1.30%$2,500-61 Month Bump-a-Rate IRA CD
1.10%$2,500-48 Month Bump-a-Rate IRA CD
0.85%$2,500-36 Month IRA CD
0.50%$2,500-24 Month IRA CD
0.40%$2,500-18 Month IRA CD
0.35%$2,500-15 Month IRA CD
0.30%$2,500-12 Month IRA CD
0.25%$2,500-9 Month IRA CD
0.15%$2,500-6 Month IRA CD

Capital Credit Union (ND) Locations
Branch Office3101 N 11th StBismarck, ND 58503
Branch Office4900 13th Ave SFargo, ND 58103
Branch Office145 Main Rd EHazen, ND 58545
Branch Office316 Main AveNew Salem, ND 58563
Branch Office600 E Main StMandan, ND 58554
Branch Office835 S Washington StBismarck, ND 58504
Branch Office1550 Burnt Boat DrBismarck, ND 58503
Branch Office131 W Main StBeulah, ND 58523
Branch Office204 W Thayer AveBismarck, ND 58501