Cooperatives are not-for-profit companies. As a member of Continental Divide, you aren't just a customer; you're a part-owner (member) of our co-op. This means when the co-op earns excess revenue or margins, you are allocated a portion of that equity.
These "capital credits" are to cooperative members what dividends are to stockholders of for-profit, investor-owned utilities. Since a co-op does not earn profits, any margins or revenues remaining after all expenses have been paid are returned to the members in proportion to their electricity usage.