CAPITAL

Charter #61637 | ND

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in ND

CAPITAL has 10 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.1% in tier
  • + Wallet Share Momentum: Top 11.9% in tier
  • + Organic Growth Engine: Top 14.3% in tier
  • + Organic Growth Leader: Top 24.9% in tier
  • + ROA 0.66% above tier average
  • + Net Interest Margin 0.00% above tier average
  • + Fee Income Per Member: Top 1.8% in tier
  • + Net Charge-Off Rate: Top 4.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.0% in tier
  • + Average Member Relationship (AMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.9% in tier
  • - Growth-at-Risk: Bottom 3.1% in tier
  • - Liquidity Strain: Bottom 23.1% in tier
  • - Liquidity Overhang: Bottom 31.4% in tier
  • - Delinquency rate 1.10% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
  • - Members Per Employee (MPE): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 32,607
+1.3% YoY+0.2% QoQ
 -19.5K 52,114
-2.1% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 9.8% in tier
Assets $854.3M
+7.1% YoY+2.6% QoQ
 $-4.7M $859.0M
+0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $657.2M
+7.7% YoY+1.9% QoQ
 +$53.8M $603.4M
+1.0% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $719.8M
+7.7% YoY+2.1% QoQ
 $-14.3M $734.2M
+0.9% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 45th in tier
ROA 1.4%
+49.4% YoY+70.2% QoQ
 +0.7% 0.7%
+27.6% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 Top 13.4% in tier
NIM 3.4%
+4.7% YoY+1.8% QoQ
 +0.0% 3.4%
+9.6% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 66.4%
-10.6% YoY-12.4% QoQ
 -8.1% 74.5%
-3.2% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 Bottom 23.2% in tier
Delinquency Rate 1.9%
+105.0% YoY-1.1% QoQ
 +1.1 0.8%
+5.0% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 Top 6.2% in tier
Loan To Share 91.3%
-0.0% YoY-0.2% QoQ
 +8.6% 82.7%
+0.1% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 68th in tier
AMR $42,229
+6.3% YoY+1.7% QoQ
 +$14K $28,651
+2.5% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 9.8% in tier
CD Concentration 30.4%
+6.6% YoY+7.2% QoQ
 +6.0% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 72nd in tier
Indirect Auto % 0.8%
+5.9% YoY+9.6% QoQ
 -13.2% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#60 of 1006 • Top 2.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#328 of 1006 • Top 11.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#263 of 603 • Top 14.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.30%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.37%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.75%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#329 of 430 • Top 24.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.30%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#48 of 736 • Bottom 1.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.98% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#47 of 446 • Bottom 3.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.71%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.98% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Liquidity Strain

risk
#180 of 258 • Bottom 23.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.29%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.71%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Liquidity Overhang

risk
#486 of 552 • Bottom 31.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.18%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.29%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (10 metrics)

3
Fee Income Per Member
profitability
Value: $499.98
Peer Avg: $204.75
#3 of 112 Top 1.8% in 750M-1B tier
6
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.61%
#6 of 112 Top 4.5% in 750M-1B tier
10
Loan-to-Member Ratio (LMR)
engagement
Value: $20,154
Peer Avg: $12,810
#10 of 112 Top 8.0% in 750M-1B tier
11
Average Member Relationship (AMR)
engagement
Value: $42,229
Peer Avg: $28,651
#11 of 112 Top 8.9% in 750M-1B tier
15
Return on Assets (ROA)
profitability
Value: 1.37%
Peer Avg: 0.71%
#15 of 112 Top 12.5% in 750M-1B tier
24
Net Worth Ratio
risk
Value: 13.18%
Peer Avg: 11.52%
#24 of 112 Top 20.5% in 750M-1B tier
25
Indirect Auto Concentration (%)
balance_sheet
Value: 0.75%
Peer Avg: 16.60%
#25 of 112 Top 21.4% in 750M-1B tier
27
Efficiency Ratio
profitability
Value: 66.41%
Peer Avg: 74.52%
#27 of 112 Top 23.2% in 750M-1B tier
27
Deposit Growth Rate
growth
Value: 7.72%
Peer Avg: 5.03%
#27 of 112 Top 23.2% in 750M-1B tier
29
AMR Growth Rate
growth
Value: 6.33%
Peer Avg: 4.90%
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (3 metrics)

106
Total Delinquency Rate (60+ days)
risk
Value: 1.91%
Peer Avg: 0.82%
#106 of 112 Bottom 6.2% in 750M-1B tier
104
Members Per Employee (MPE)
engagement
Value: 215.940
Peer Avg: 361.634
#104 of 112 Bottom 8.0% in 750M-1B tier
101
Total Members
engagement
Value: 32,607
Peer Avg: 52,114
#101 of 112 Bottom 10.7% in 750M-1B tier