Capital

Bismarck, ND · 2 · Charter #61637 · www.capcu.org/
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$889.6M
93th percentile
Members
32,626
60th percentile
Total loans
$676.5M
95th percentile
Total shares
$752.2M
94th percentile

Profitability

Return on assets
1.55%
84th percentile
Net interest margin
3.31%
40th percentile
Efficiency ratio
52.67%
74th percentile
Non-interest income ratio
26.41%
86th percentile

Capital & Risk

Net worth ratio
12.93%
76th percentile
Delinquency rate
1.43%
13th percentile
Net charge-off rate
0.10%
89th percentile
Loan-to-share
89.94%
74th percentile

Growth

Member growth YoY
1.30%
60th percentile
Asset growth YoY
9.11%
82th percentile
Loan growth YoY
8.39%
73th percentile
Share growth YoY
9.43%
85th percentile

Operations

Members / branch
2,966
16th percentile
Assets / member
$27,266
94th percentile
Field of membership penetration
6.91%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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