One of the advantages of being a member-owner of an electric cooperative is sharing in its success. Capital credits reflect each member’s ownership in the cooperative. Electric cooperatives do not earn profits in the sense that investor-owned utilities earn profits for their investors. Instead, any margins or revenues related to the sale of electric service remaining after all expenses have been paid are returned to the cooperative’s members in proportion to their electrical usage. Depending on the amount, your capital credits may be returned to you in the form of a bill credit or a check.