CAPITAL
State-Chartered • Bismarck, North Dakota • Est. 1939
Quick Facts
- Charter Number
- #61637
- Type
- State-Chartered
- Established
- 1939
- Headquarters
- Bismarck, North Dakota 58502
- Address
- PO Box 2096
- Branches
- 11
- ATMs
- 11
- Members
- 32,626
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
32,626 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAPITAL |
|---|---|
| Total Assets | $889.6M |
| Members | 32,626 |
| Loans Outstanding | $676.5M |
| Shares & Deposits | $754.8M |
| Net Worth | $115.0M |
| Net Worth Ratio | 12.93% |
| Loan-to-Share Ratio | 89.6% |
| Delinquency Rate | 1.43% |
| Net Income | +$14,422,038 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
11 locations · 11 ATMs
Main Office
Main Office204 W Thayer Ave
Bismarck, ND 58501
Northwest
1550 Burnt Boat Dr
Bismarck, ND 58503
North
3101 N 11th St
Bismarck, ND 58503
South
835 S Washington St
Bismarck, ND 58504
Fargo 13th Ave
4900 13th Ave S
Fargo, ND 58103
Who Can Join CAPITAL?
Membership Type: Community
Membership eligibility for CAPITAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAPITAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Dakota RankingsFrequently Asked Questions
Yes. CAPITAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CAPITAL has 32,626 members and a potential membership field of 472,320 people.
CAPITAL's net worth ratio is 12.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.9%, CAPITAL meets this threshold.
CAPITAL operates 11 branch locations and has access to 11 ATMs. The main office is located at 204 W Thayer Ave, Bismarck, ND 58501.
CAPITAL was established in 1939. It is a state-chartered credit union chartered under charter number 61637. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CAPITAL. All financial data is for informational purposes only.