Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
701-255-0042
204 W Thayer Ave
Bismarck, ND 58501

Capital CU (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 CU (ND) has a A+ health rating.

Field of Membership Restrictions

Must live within 75-miles of Bismarck, within 75-miles of Hazen or within 50-miles of Beulah. - See Details

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

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 CU (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 CU (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

GRADE:
A+

The Texas Ratio for Capital CU (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 CU (ND) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Capital CU (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 CU (ND) has shown is excellent.

Capitalization

GRADE:
B+

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 CU (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

Overall
NCUA #61637
Year Chartered1939
Employees101
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
Rates

Always verify rates and promotions with the bank or credit union. We are not Capital CU (ND), we are a rate comparison website and can not provide official rates or promotions.

Capital CU (ND) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$250k-Traditional IRA Share
0.10%$250k-Roth IRA Share
0.10%$250k-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%--Business Transactional Account
0.05%--Transactional Account

Capital CU (ND) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$250k-Money Market
0.10%$250k-Relationship Money Market

Capital CU (ND) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$500$100kCU Connect Checking
0.05%$500$100kBusiness Checking
0.05%$500$100kCU Advance Checking
0.05%$2,500-Premium Business Checking

Capital CU (ND) CD Rates

DetailsAPYMINMAXPRODUCT
1.40%$2,500-60 Month Regular 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 Regular CD
0.50%$2,500-24 Months Regular CD
0.40%$2,500-18 Month Regular CD
0.35%$2,500-15 Month Regular CD
0.30%$2,500-12 Months Regular CD
0.25%$2,500-9 Month Regular CD
0.20%$500-24 Months Youth/Young Adult CD
0.15%$2,500-6 Months Regular CD
0.15%$500-12 Months Youth/Young Adult CD
0.10%$500-6 Months Youth/Young Adult CD
0.10%$100-6 Month CU Save CD
Locations

Sorry, but we do not have location data for Capital CU (ND). Its headquarters is located at 204 W Thayer Ave - Bismarck, ND 58501