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Overview / Commentary
738 Ford St
Kimberly, WI 54136

Capital CU (WI) is headquartered in Kimberly and is the 15st largest credit union in the state of Wisconsin. It is also the 472nd largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 109 employees and 34,522 members. Capital CU (WI)'s money market rates are 25% higher than the national average, and it boasts 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.


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 (WI) had $4.09 million in non-current loans and owned real-estate with $67.56 million in equity and loan loss allowances on hand to cover it. This gives Capital CU (WI) a Texas Ratio of 6.06% 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 (WI) experienced no significant changes from 6.11% as of March 31, 2013 to 6.06% as of March 31, 2014, resulting in a positive change of 0.93%.This indicates that the balance sheet and financial strength for Capital CU (WI) has had no significant changes in recent periods.

Deposit Growth


In the past year, Capital CU (WI) has increased its total deposits by $19.25 million, resulting in 4.91% 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.



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 $480.87 million in assets with $67.56 million in equity, resulting in a capitalization level of 14.05%, which is excellent.

Institution Statistics

NCUA #66865
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$480.87 million
Loans$299.97 million
Deposits$411.32 million
Equity Capital$66.56 million
Loan Loss Allowance$1.00 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$2.31 million
Historic Data - March 2013
Assets$459.37 million
Equity Capital$63.73 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$1.78 million
Real Estate Owned$2.61 million
Profit Margin - Quarterly
Net Interest Margin0.92%
Return on Assets0.48%
Return on Equity3.49%
Interest Income$3.29 million

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Capital CU (WI) Savings Account Rates

0.25%$25-Prime Share (Savings) Account
0.25%$25-Vacation Club Account
0.25%$25-You Name it Account
0.25%$25-Holiday Club Account
0.25%$500-Health Savings
0.25%$25-Property Tax Account
0.10%$1k-Business Savings
0.10%$1k-Municipal Membership Savings

Capital CU (WI) Money Market Rates

0.55%$100k-Money Market Platinum
0.25%$100k-Business Money Market

Capital CU (WI) Checking Account Rates

0.20%$50k-Business Premier Checking
0.15%$500-Checking (Share Draft) Account
0.15%$5k-Business Elite Checking

Capital CU (WI) CD Rates

1.35%$1k-48 - 59 Month Share Certificate
1.35%$1k-60 Month Share Certificate
1.00%$1k-24 - 35 Month Share Certificate
1.00%$1k-36 - 47 Month Share Certificate
0.75%$1k-18 - 23 Month Share Certificate
0.60%$1k-12 - 17 Month Share Certificate
0.35%$1k-6 - 11 Month Share Certificate
0.35%--12 Month Member Choice Share Certificate
0.20%$1k-3 - 5 Month Share Certificate

Capital CU (WI) IRA Rates

1.35%$1k-48 - 59 Month Fixed IRA Certificate
1.35%$1k-60 Month Fixed IRA Certificate
1.00%$1k-36 - 47 Month Fixed IRA Certificate
1.00%$1k-24 - 35 Month Fixed IRA Certificate
0.75%$1k-18 - 23 Month Fixed IRA Certificate
0.60%$1k-12 - 17 Month Fixed IRA Certificate
0.35%--12 Month Member Choice IRA Certificate

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