2025-11-13T14:55:53-05:00 2024-12-31 990 2024-01-01 450226724 CAPITAL CREDIT UNION CAPI 7012550042 204 W THAYER AVE BISMARCK ND 585013772 Kyla Stampka Vice President of Accounting 7012550042 2025-11-14 2024 2025-03-06 01:10:19Z Ryan Monson 204 W THAYER AVE BISMARCK ND 585013772 47123246 false X www.capcu.org X Organization 1936 ND TO BE THE TRUSTED FINANCIAL RESOURCE THAT PUTS MEMBERS FIRST. 7 7 202 7 514596 0 0 0 35262698 41076454 3203497 3975394 2687644 1514568 41153839 46566416 20000 23000 351 3648 12805729 14704244 0 0 0 20031208 25765334 32857288 40496226 8296551 6070190 755781859 815292299 664191944 714993573 91589915 100298726 To be the trusted financial resource that puts members first. false false 40496226 0 0 Our 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. 0 0 0 0 0 0 0 0 0 40496226 false false false false false false false false true false true true false false true true false true false false false false false false false false false false true true false true false false false false false false false false true false false false true 10383 0 true 202 true true true false false false false false false false 7 7 false false false false true true true true true false false true true true true true true true true false ND X Kyla Stampka 7013557738 204 W THAYER AVE BISMARCK ND 585013772 Jonathan Griffin Chief Executive Officer 45.00 0 X 441063 0 36832 Bradley Shetler Chief Lending Officer 45.00 0 X 273600 0 42744 Kurt Schmidt Chief Information Officer 45.00 0 X 233653 0 18142 Ryan Monson Chief Financial Officer 45.00 0 X 203213 0 25024 Jillian Lagasse Chief Marketing and Member Experience Officer 45.00 0 X 184033 0 41801 Lenders - 2 Individuals Lenders 45.00 0 X 437304 0 82010 Kevin Schoenborn Board Member 4.00 0 X 2943 0 0 Michael Gunsch Board Member 4.00 0 X 2330 0 0 Faye Miller Board Member 4.00 0 X 2215 0 0 Marlina Walth Board Member 4.00 0 X 2056 0 0 Lance Gaebe Board Member 4.00 0 X 1539 0 0 Jay Buringrud Board Member 4.00 0 X 550 0 0 Shawn Deisz Board Member 4.00 0 X 550 0 0 1785049 0 246553 22 false true false The Title Company 35 4th Street N Suite 102 Fargo ND 58102 Title Company 4904410 Finastra USA Corporation 744 Primera Blvd Suite 2000 Lake Mary FL 32746 Financial Services Technology 781903 Jack Henry and Associates 663 W Hwy 60 Monett MO 65708 Financial Services Technology 716201 High Point Networks 4204 Boulder Ridge Rd 200 Bismarck ND 58503 Computer Support and Services 467028 Strum 2033 6th Ave Suite 600 Seattle WA 98121 Marketing Agency 444133 13 0 0 0 0 0 0 0 0 Loan Interest Income 522130 33589401 33589401 0 0 Fees & Interchange Income 522130 5380253 5318242 62011 0 Mortgage Lending Income 522130 2106800 2106800 0 0 0 0 0 0 0 0 0 0 0 0 0 0 41076454 3921367 3921367 0 0 0 0 0 0 0 0 0 0 181723 0 81394 0 100329 0 100329 100329 0 0 314040 215423 265077 210359 48963 5064 54027 54027 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Split Dollar Loan Income 522130 443499 443499 0 0 Loan Insurance Sales 522130 261365 261365 0 0 Wealth Management 522130 162735 111425 51310 0 546640 145365 401275 0 1414239 46566416 46051820 514596 0 0 0 23000 23000 0 0 3648 3648 718315 718315 0 0 0 0 0 0 11050110 11050110 0 0 584645 584645 0 0 1501856 1501856 0 0 849318 849318 0 0 0 0 0 0 25865 25865 0 0 110080 110080 0 0 0 0 0 0 0 0 17996 17996 0 0 588367 588367 0 0 1578536 1578536 0 0 1315445 1315445 0 0 1862551 1862551 0 0 0 0 0 0 1010399 1010399 0 0 76878 76878 0 0 0 0 0 0 171641 171641 0 0 11194193 11194193 0 0 0 0 0 0 1520015 1520015 0 0 175390 175390 0 0 Card Services 2405328 2405328 0 0 Provision for Loan Loss 2085194 2085194 0 0 Loan Program Expenses 452563 452563 0 0 Federal & State Supervisory Fees 132816 132816 0 0 1042077 1042077 0 0 40496226 40496226 0 0 0 0 0 0 3754426 3894709 54495663 41258421 5000 0 1724848 693667 16792072 17235571 0 0 573358165 622598967 0 0 709622 658747 35454035 13459378 17024814 21994657 3800383 3893635 69744418 88188134 7018582 7009246 2452992 2164556 4900874 5701989 755781859 815292299 8916991 6636980 0 0 0 0 0 0 4349887 4769354 0 0 0 0 19219837 13589905 631705229 689997334 664191944 714993573 X 0 0 0 0 91589915 100298726 91589915 100298726 755781859 815292299 6070190 1433334 0 0 0 1205287 X false true X true false false 0 0 0 0 true X 5708957 5708957 18729056 6708276 12020780 1008339 531394 476944 5925489 3970489 1954999 4082195 2249219 1832977 21994657 Mortgage-Backed Securities GSE Residential 43450338 F Federal Agency Obligations 42922796 F U.S. Treasuries 1815000 F 88188134 Member Shares 471735637 Member Savings and IRA Certificates 215596186 Brokered Certificates 2665511 689997334 X 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. true Scholarships 18 23000 0 0 0 Part I Line 2 The Credit Union opens an application period where prospective college students can apply for scholarship funds. Once selected the funds are disbursed to the college of choice. The applicants must be a credit union member with a share savings account. X true true X false false false Jonathan Griffin Chief Executive Officer 408230 0 30525 0 2307 0 0 0 36832 0 477894 0 0 0 Bradley Shetler Chief Lending Officer 197735 0 74981 0 884 0 0 0 42744 0 316344 0 0 0 Kurt Schmidt Chief Information Officer 201982 0 30580 0 1091 0 0 0 18142 0 251795 0 0 0 Ryan Monson Chief Financial Officer 181541 0 20924 0 749 0 0 0 25024 0 228238 0 0 0 Jillian Lagasse Chief Marketing and Member Experience Officer 162566 0 20712 0 756 0 0 0 41801 0 225835 0 0 0 Lenders - 2 Individuals Lenders 212140 0 223367 0 1797 0 0 0 82010 0 519314 0 0 0 Debra Gallagher Former CEO Life Insurance X 4448462 4546103 false true true Vance Reinbold Former CEO Life Insurance X 693939 705703 false true true Vance Reinbold Former CEO Life Insurance X 10449581 10626723 false true true Jonathan Griffin President CEO Life Insurance X 1306859 1357043 false true true 17235572 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. 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| CCU Financial Services LLC 204 W Thayer Ave Bismarck ND 58501 203055779 Credit Union Service Organization ND -204388 777021 Capital Credit Union