Capital Credits

SWRE is a not-for-profit, member-owned entity that strives to perform all segments of operation at cost. As a result, any margins (profits) are returned to you, our members. Your share of these margins is called capital credits. Net margins are allocated to members in proportion to the member’s cooperative purchases for a particular year. The Board of Trustees decides to retire capital credits based on the cooperative’s financial condition. In the meantime, SWRE utilizes the money as working capital for operating and reinvesting in the cooperative until a determination is made.

SWRE retired over $301,000 in capital credits in 2022 for the remaining fiscal year of 1979, the full fiscal years of 1980, 1983, 1987, and a portion of 1988. The co-op has distributed capital credit checks to members for their portion of the margins during those years. Capital credit checks for 2022 were issued by mail to the address on file.

Capital credit checks are issued for members if the amount is greater than $5. The cooperative does not issue checks for members with a capital credit distribution less than $5. If your capital credit distribution is under the $5 threshold, please make sure to keep your contact information updated with SWRE so that we can reach you when you are eligible to receive a capital credit check. Current and former members can call SWRE at 1-800-256-7973 to update their contact information.

If you have received a capital credit check from SWRE in error, please mail the check back to the cooperative (P.O. Box 310, Tipton, OK 73570) and we will update our records.