The percentage of your total payment that is allocated as capital credits varies from year to year, depending upon the success of the cooperative. Capital credits are only allocated for a year in which Decatur County REMC earns margins. Since capital credits are a member’s share of the margins, no credits are allocated for a year with no margins. For years in which Decatur County REMC earned margins, the allocation generally ranges from 3 to 7 percent of annual bills.