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
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 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
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
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
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 Chartered | 1939 |
| Employees | 101 |
| 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 Margin | 1.07% |
| Return on Assets | 1% |
| Return on Equity | 10.48% |
| Interest Income | $3.17 million |
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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.10% | $250k | - | Money Market | |
| 0.10% | $250k | - | Relationship Money Market |
Capital CU (ND) Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.05% | $500 | $100k | CU Connect Checking | |
| 0.05% | $500 | $100k | Business Checking | |
| 0.05% | $500 | $100k | CU Advance Checking | |
| 0.05% | $2,500 | - | Premium Business Checking |
Capital CU (ND) CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 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 |
Sorry, but we do not have location data for Capital CU (ND). Its headquarters is located at 204 W Thayer Ave - Bismarck, ND 58501