Civic Intelligence

Capital Credit Union

EIN 45-0226724 • 501(c)14 • Bismarck, ND

View Organization Page

Profile

To be the trusted financial resource that puts members first.

204 W Thayer AveBismarck, ND 58501-3772

www.capcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

24th percentile

0.88x

Higher debt load relative to assets than 24% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

50th percentile

15.35x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

64th percentile

13%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

85th percentile

7.9%

Faster asset growth than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

44th percentile

13%

Faster revenue growth than 44% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$815,292,299

Up $59,510,440 (+7.9%) from 2023

Liabilities

Up

$714,993,573

Up $50,801,629 (+7.6%) from 2023

Net Assets

Up

$100,298,726

Up $8,708,811 (+9.5%) from 2023

Operations
Liabilities / Revenue50th percentileNet Margin64th percentile

Revenue

Up

$46,566,416

Up $5,412,577 (+13%) from 2023

Expenses

Up

$40,496,226

Up $7,638,938 (+23%) from 2023

Net Income

Down

$6,070,190

Down $2,226,361 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0B$500M$0Assets 2010: $268,071,765Liabilities 2010: $241,842,776Net Assets 2010: $26,228,9892010Assets 2011: $285,661,109Liabilities 2011: $257,713,403Net Assets 2011: $27,947,7062011Assets 2012: $327,315,934Liabilities 2012: $296,367,617Net Assets 2012: $30,948,3172012Assets 2013: $351,438,946Liabilities 2013: $317,981,506Net Assets 2013: $33,457,4402013Assets 2014: $383,263,670Liabilities 2014: $344,721,977Net Assets 2014: $38,541,6932014Assets 2015: $409,996,193Liabilities 2015: $366,907,253Net Assets 2015: $43,088,9402015Assets 2016: $447,441,607Liabilities 2016: $399,278,197Net Assets 2016: $48,163,4102016Assets 2017: $466,344,171Liabilities 2017: $411,755,877Net Assets 2017: $54,588,2942017Assets 2018: $486,634,517Liabilities 2018: $427,705,930Net Assets 2018: $58,928,5872018Assets 2019: $540,917,599Liabilities 2019: $473,896,688Net Assets 2019: $67,020,9112019Assets 2020: $626,074,840Liabilities 2020: $552,591,491Net Assets 2020: $73,483,3492020Assets 2021: $692,597,459Liabilities 2021: $612,144,458Net Assets 2021: $80,453,0012021Assets 2022: $724,151,270Liabilities 2022: $643,185,799Net Assets 2022: $80,965,4712022Assets 2023: $755,781,859Liabilities 2023: $664,191,944Net Assets 2023: $91,589,9152023Assets 2024: $815,292,299Liabilities 2024: $714,993,573Net Assets 2024: $100,298,7262024

Highlighted filing

2024

Assets$815,292,299
Liabilities$714,993,573
Net Assets$100,298,726
Open 2024 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Expenses 2010: $12,571,3902010Revenue 2011: $14,462,484Expenses 2011: $12,696,176Net Income 2011: $1,766,3082011Expenses 2012: $13,068,5392012Revenue 2013: $18,116,235Expenses 2013: $14,586,990Net Income 2013: $3,529,2452013Revenue 2014: $19,214,804Expenses 2014: $14,457,341Net Income 2014: $4,757,4632014Revenue 2015: $21,277,640Expenses 2015: $16,846,262Net Income 2015: $4,431,3782015Revenue 2016: $23,244,378Expenses 2016: $18,155,823Net Income 2016: $5,088,5552016Revenue 2017: $25,480,989Expenses 2017: $19,024,408Net Income 2017: $6,456,5812017Revenue 2018: $26,005,105Expenses 2018: $21,553,929Net Income 2018: $4,451,1762018Revenue 2019: $30,059,348Expenses 2019: $22,385,548Net Income 2019: $7,673,8002019Revenue 2020: $33,075,672Expenses 2020: $27,232,128Net Income 2020: $5,843,5442020Revenue 2021: $34,065,557Expenses 2021: $25,479,369Net Income 2021: $8,586,1882021Revenue 2022: $32,810,003Expenses 2022: $25,814,938Net Income 2022: $6,995,0652022Revenue 2023: $41,153,839Expenses 2023: $32,857,288Net Income 2023: $8,296,5512023Revenue 2024: $46,566,416Expenses 2024: $40,496,226Net Income 2024: $6,070,1902024

Highlighted filing

2024

Revenue$46,566,416
Expenses$40,496,226
Net Income$6,070,190
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$815,292,299
Liabilities
$714,993,573
Net assets
$100,298,726
Revenue
$46,566,416
Expenses
$40,496,226
Net income
$6,070,190
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$815$715$100$46.6$40.5$6.07
2023Summary only. Only limited summary data is available for this year.$756$664$91.6$41.2$32.9$8.30
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$724$643$81.0$32.8$25.8$7.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$693$612$80.5$34.1$25.5$8.59
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$626$553$73.5$33.1$27.2$5.84
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$541$474$67.0$30.1$22.4$7.67
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$487$428$58.9$26.0$21.6$4.45
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$466$412$54.6$25.5$19.0$6.46
2016Summary only. Only limited summary data is available for this year.$447$399$48.2$23.2$18.2$5.09
2015Detailed filing. Detailed filing data is available for this year.$410$367$43.1$21.3$16.8$4.43
2014Detailed filing. Detailed filing data is available for this year.$383$345$38.5$19.2$14.5$4.76
2013Detailed filing. Detailed filing data is available for this year.$351$318$33.5$18.1$14.6$3.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$327$296$30.9$13.1
2011Summary only. Only limited summary data is available for this year.$286$258$27.9$14.5$12.7$1.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$268$242$26.2$12.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.1
Gross Receipts
$47,123,246
Mission and Program Overview

Mission

To be the trusted financial resource that puts members first.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$573,358,165$622,598,967▲ $49,240,802
Rtn Earn Endowment Incm Other Fnds$91,589,915$100,298,726▲ $8,708,811
Investments Other Securities$69,744,418$88,188,134▲ $18,443,716
Savings and Temporary Cash Investments$54,495,663$41,258,421▼ $13,237,242
Land, Buildings, and Equipment, Net$17,024,814$21,994,657▲ $4,969,843
Receivables From Officers Etc$16,792,072$17,235,571▲ $443,499
Investments Program Related$7,018,582$7,009,246▼ $9,336
Cash and Non-Interest-Bearing Accounts$3,754,426$3,894,709▲ $140,283
Investments in Publicly Traded Securities$3,800,383$3,893,635▲ $93,252
Intangible Assets$2,452,992$2,164,556▼ $288,436
Accounts Receivable$1,724,848$693,667▼ $1,031,181
Prepaid Expenses and Deferred Charges$709,622$658,747▼ $50,875
Pledges and Grants Receivable$5,000$0▼ $5,000
Receivable From Disqualified Prsn$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$755,781,859$815,292,299▲ $59,510,440
Other Assets Total$4,900,874$5,701,989▲ $801,115
Liabilities
Other Liabilities$631,705,229$689,997,334▲ $58,292,105
Unsecured Notes Loans Payable$19,219,837$13,589,905▼ $5,629,932
Accounts Payable and Accrued Expenses$8,916,991$6,636,980▼ $2,280,011
Escrow Account Liability$4,349,887$4,769,354▲ $419,467
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$664,191,944$714,993,573▲ $50,801,629
Net Assets / Fund Balance
Total Net Assets Fund Balance$91,589,915$100,298,726▲ $8,708,811
Total Liabilities and Net Assets / Fund Balance$755,781,859$815,292,299▲ $59,510,440

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,020,780$6,708,276$18,729,056
Equipment$1,954,999$3,970,489$5,925,489
Land$5,708,957-$5,708,957
Other Land Buildings$1,832,977$2,249,219$4,082,195
Leasehold Improvements$476,944$531,394$1,008,339
Other Securities$1,815,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lenders - 2 IndividualsLendersFT$212,140$307,174$519,314
Jonathan GriffinChief Executive OfficerFT$408,230$69,664$477,894
Bradley ShetlerChief Lending OfficerFT$197,735$118,609$316,344
Kurt SchmidtChief Information OfficerFT$201,982$49,813$251,795
Ryan MonsonChief Financial OfficerFT$181,541$46,697$228,238
Jillian LagasseChief Marketing and Member Experience OfficerFT$162,566$63,269$225,835
Kevin SchoenbornBoard Member-$2,943-$2,943
Michael GunschBoard Member-$2,330-$2,330
Faye MillerBoard Member-$2,215-$2,215
Marlina WalthBoard Member-$2,056-$2,056
Lance GaebeBoard Member-$1,539-$1,539
Jay BuringrudBoard Member-$550-$550
Shawn DeiszBoard Member-$550-$550

Highest Paid Contractors

ContractorServicesLocationCompensation
The Title CompanyTitle Company35 4th Street N, Suite 102, Fargo, ND 58102$4,904,410
Finastra USA CorporationFinancial Services Technology744 Primera Blvd, Suite 2000, Lake Mary, FL 32746$781,903
Jack Henry and AssociatesFinancial Services Technology663 W Hwy 60, Suite 600, Monett, MO 65708$716,201
High Point NetworksComputer Support and Services4204 Boulder Ridge Rd 200, Bismarck, ND 58503$467,028
StrumMarketing Agency2033 6th Ave, Seattle, WA 98121$444,133
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,076,454
Investment Income
$3,975,394
Other Revenue
$1,514,568
All Other Contributions
$0
Change in Net Assets
$6,070,190
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,765,334
Salaries, Compensation, and Employee Benefits$14,704,244
Grants and Similar Amounts Paid$23,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$11,194,193$0$0$11,194,193
Other Salaries and Wages$11,050,110$0$0$11,050,110
Information Technology$1,862,551$0$0$1,862,551
Advertising$1,578,536$0$0$1,578,536
Depreciation Depletion$1,520,015$0$0$1,520,015
Other Employee Benefits$1,501,856$0$0$1,501,856
Office Expenses$1,315,445$0$0$1,315,445
All Other Expenses$1,042,077$0$0$1,042,077
Occupancy$1,010,399$0$0$1,010,399
Payroll Taxes$849,318$0$0$849,318
Current Officers, Directors, Trustees, and Key Employees$718,315$0$0$718,315
Fees for Services Other$588,367$0$0$588,367
Pension Plan Contributions$584,645$0$0$584,645
Insurance$175,390$0$0$175,390
Conferences and Meetings$171,641$0$0$171,641
Other Expenses$132,816$0$0$132,816
Fees for Services Accounting$110,080$0$0$110,080
Travel$76,878$0$0$76,878
Fees for Services Legal$25,865$0$0$25,865
Grants to Domestic Individuals$23,000--$23,000
Fees for Service Investment Mgmnt Fees$17,996$0$0$17,996
Benefits to Members$3,648--$3,648
Total Functional Expenses$40,496,226$0$0$40,496,226
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$16,792,072$17,235,571▲ $443,499
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$471,735,637
Member Savings and IRA Certificates$215,596,186
Brokered Certificates$2,665,511
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The organization has members.”

Part VI, Line 7A

“Our bylaws allow the members who own the credit union to elect the governing body at the credit unions annual meeting.”

Part VI, Line 7B

“Our bylaws stipulate which decisions are reserved to or subject to approval by our members.”

Part VI, Line 11A

“The Form 990 is completed by the accounting department and reviewed by the Vice President of Accounting and Chief Financial Officer.”

Part VI, Line 12C

“Annually all employees must sign a code of conduct form which includes the conflict of interest policy.”

Part VI, Line 15

“The credit unions board of directors determine the CEOs salary and approves the annual salary budget. The CEOs salary and all other employee compensation is based on several factors including comparable data.”

Part VI, Line 19

“The documents are available upon request by our members.”

Filing and Contact Details

Filer

Filer Name
Capital Credit Union
EIN
45-0226724
Phone
7012550042
Address
204 W THAYER AVE, BISMARCK, ND 58501-3772

Signing Officer

Name
Kyla Stampka
Title
Vice President of Accounting
Phone
7012550042
Signed
2025-11-14

Organization Details

Principal Officer
Ryan Monson
Formed
1936
Legal Domicile
Nd
Voting Board Members
7
Independent Board Members
7
Employees
202
Volunteers
7
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| Equity acquired in merger with Flasher Community Credit Union. Capital Credit Union acquired Flasher Community Credit Union on 4 1 2024., Merger, $1205287|”

Financial Statement Notes

Part X, line 2

“It is the opinion of management that the credit union has no significant uncertain tax positions that would be subject to change upon examination.”

Part IV, line 2B

“Our organization must maintain escrow accounts for some of our members and on mortgage loans we service.”

Raw XML AppendixShowing 400 of 876 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum07013557738
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0204 W THAYER AVE
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1744 Primera Blvd
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2663 W Hwy 60
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt42033 6th Ave
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0Suite 102
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IRS990/Desc0Our credit union was serving 32,206 members as of December 31 2024. Our program objectives are to be the trusted financial resource that puts members first and to be the best choice for financial services in our market. Our program offers our members a variety of products including but not limited to: loans savings and checking accounts certificates of deposit and digital services.
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