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Overview / Commentary
920-731-3195
P.O. Box 410
Kimberly, WI 54136

Capital CU (WI) is headquartered in KIMBERLY and is the 14st largest credit union in the state of Wisconsin. It is also the 461st largest credit union in the nation. It was established in 1934 and as of December of 2013, it had grown to 107 employees and 34,472 members. Capital CU (WI) has a A+ health rating.

Field of Membership Restrictions

Must live or work in Outagamie, Calumet, Winnebago or Brown County. - See Details

Reviews (1)

Poor Service And Organization

Don't trust this credit union with your money, they have made far too many mistakes with accounts and given out unwarranted fees. They are disorganized and keep poor records, as well as making unauthorized changes to your accounts.



Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Capital CU (WI) had $4.26 million in non-current loans and owned real-estate with $67.03 million in equity and loan loss allowances on hand to cover it. This gives Capital CU (WI) a Texas Ratio of 6.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Capital CU (WI) decreased slightly from 7.12% as of December 31, 2012 to 6.36% as of December 31, 2013, resulting in a positive change of 10.79%.This indicates that the balance sheet and financial strength for Capital CU (WI) has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Capital CU (WI) has increased its total deposits by $16.78 million, resulting in 4.37% 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 (WI) has shown is excellent.

Capitalization

GRADE:
A+

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 (WI) has $469.61 million in assets with $67.03 million in equity, resulting in a capitalization level of 14.27%, which is excellent.

Institution Statistics

Overall
NCUA #66865
Year Chartered1934
Employees107
Primary Regulator
Assets and Liabilities
Assets$469.61 million
Loans$300.07 million
Deposits$401.15 million
Equity Capital$65.99 million
Loan Loss Allowance$1.04 million
Unbacked Noncurrent Loans$1.56 million
Real Estate Owned$2.70 million
Historic Data - December 2012
Assets$449.56 million
Equity Capital$62.99 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$1.56 million
Real Estate Owned$3.05 million
Profit Margin - Quarterly
Net Interest Margin3.8%
Return on Assets0.64%
Return on Equity4.52%
Interest Income$13.65 million
Rates

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

Capital CU (WI) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Business Share Account
0.25%$25-Prime Share Account
0.25%$25-Vacation Club Account
0.25%$25-You Name it Account
0.25%$25-Holiday Club Account
0.25%--Variable Rate IRA Share Certificate
0.25%$500-Health Savings Share Draft Accounts
0.25%$25-Property Tax Account

Capital CU (WI) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$25k-Money Market Account

Capital CU (WI) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Business Share Draft Account
0.15%$500-Share Draft Account

Capital CU (WI) CD Rates

DetailsAPYMINMAXPRODUCT
1.40%$1k-48 Month Share Certificate
1.05%$5k-30 Month Share Certificate
1.05%$10k-27 Month Share Certificate
1.00%$1k-24 Month Share Certificate
0.90%$5k-20 Month Share Certificate
0.85%$10k-18 Month Share Certificate
0.75%$5k-15 Month Share Certificate
0.70%$10k-11 Month Share Certificate
0.65%$1k-12 Month Share Certificate
0.60%$5k-10 Month Share Certificate
0.50%$5k-9 Month Share Certificate
0.45%$5k-8 Month Share Certificate
0.35%$1k-6 Month Share Certificate
0.30%$1k-90 Day Share Certificate

Capital CU (WI) IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$500-48 Month Fixed IRA Share Certificate
1.15%$500-36 Month Fixed IRA Share Certificate
1.00%$500-24 Month Fixed IRA Share Certificate
0.65%$500-12 Month Fixed IRA Share Certificate
Locations

Capital CU (WI) has 13 locations. Click to view all Capital CU (WI) locations.