As a member of North Central Electric Cooperative, you get to share in the "profits" the cooperative earns each year! As a non-profit, member-owned cooperative, if revenues exceed expenses each year, the margin is allocated to each member of the cooperative as "capital credits." The cooperative uses the margins as operating capital to help keep current electric rates low. In time, however, all capital credits are returned to the members who used the energy. In 2015, the cooperative returned $468,000 to its members in the form of capital credit checks, and we've returned more than $3 million in the last five years. Capital credits are one of the major differences between a member-owned cooperative and an investor-owned utility. Profits made by an investor-owned utility go to stockholders of the utility. Profits made by your cooperative are returned to the very people who use the energy!