TellerScore

Capital Credit Union (NCUA charter #61637) is based in Bismarck, North Dakota. Its Q2 2026 call report shows $921.5M in total assets and $770.2M in member shares and deposits and 10 offices.

Capital Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 22nd. Capital cushion contributes the most (81/100, 13.09%); loan quality contributes the least (40/100, 1.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Net worth ratio: 13.09%
Loan quality40/100
Loans 60+ days delinquent ÷ total loans: 1.80%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity66/100
Loans ÷ shares: 94.3% · 10.6% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (61 → 66), mostly because the earnings component improved by 17 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202465
Q1 202564
Q2 202561
Q3 202566
Q4 202569
Q1 202667
Q2 202666
Net worth ratio
7.00%10.09%13.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.13%
Q3 202412.94%
Q4 202412.75%
Q1 202512.63%
Q2 202512.89%
Q3 202513.18%
Q4 202512.93%
Q1 202612.91%
Q2 202613.09%
Delinquent loans (60+ days)
0.93%1.43%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.23%
Q3 20240.93%
Q4 20241.43%
Q1 20251.53%
Q2 20251.94%
Q3 20251.91%
Q4 20251.43%
Q1 20261.53%
Q2 20261.80%
Return on assets
0.74%1.05%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.90%
Q4 20240.74%
Q1 20250.81%
Q2 20250.81%
Q3 20251.35%
Q4 20251.24%
Q1 20260.96%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$921.5M13.09%1.80%1.22%94.3%
Q1 202667$907.8M12.91%1.53%0.96%89.0%
Q4 202569$889.6M12.93%1.43%1.24%89.6%
Q3 202566$854.3M13.18%1.91%1.35%91.3%
Q2 202561$832.7M12.89%1.94%0.81%91.5%
Q1 202564$836.7M12.63%1.53%0.81%89.8%
Q4 202465$815.3M12.75%1.43%0.74%90.5%
Q3 202471$798.0M12.94%0.93%0.90%91.3%
Q2 202469$771.8M13.13%1.23%0.87%92.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.09%
70th
Problem loans1.80%
9th
Net charge-offs0.14%
78th
Return on assets1.22%
79th
Loans to deposits94.3%
9th
Uninsured deposits10.6%
15th
Loan-loss reserves0.00%
50th
Texas ratio10.9%
11th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Town and Country Credit UnionCredit union Minot, ND64 out of 100, Moderate$771.1M13.1%1.63%vs
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs
North Star Community Credit UnionCredit union Maddock, ND61 out of 100, Moderate$464.8M14.3%2.87%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs
Hometown Credit UnionCredit union Kulm, ND58 out of 100, Moderate$223.1M15.6%6.81%vs
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs

Deposit insurance

Is my money safe at Capital Credit Union?

Yes. Capital Credit Union is a federally insured credit union (NCUA charter #61637). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.6% of shares and deposits ($81.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.09%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Capital Credit Union lists 10 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Capital Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61637
RSSD ID
137399
Primary regulator
State + NCUA
Established
1939
Headquarters
PO Box 2096, Bismarck, ND 58502
Employees
152

Quick answers

Capital Credit Union: common questions

Is Capital Credit Union NCUA insured?

Yes. Capital Credit Union is a federally insured credit union (NCUA charter #61637). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Capital Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Capital Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bismarck

InstitutionScoreAssetsCapitalProblem loansCompare
Security First Bank of North DakotaBank New Salem, ND87 out of 100, Very strong$293.2M13.0%0.00%vs
Kirkwood Bank & Trust Co.Bank Bismarck, ND80 out of 100, Strong$351.3M9.9%0.00%vs
Dakota Community Bank & Trust, National AssociationBank Hebron, ND76 out of 100, Strong$1.4B9.1%0.08%vs
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs
BNC National BankBank Glendale, AZ71 out of 100, Strong$1.0B12.2%0.84%vs