As a cooperative, FTC's first responsibility is to its members. Your membership in a cooperative represents ownership of the organization and affords you the opportunity to be awarded capital credit refunds. As a nonprofit organization, FTC seeks ways to provide members the highest quality service at the most affordable rates. It is not always possible, however, to establish rates that ensure that money collected exactly equals money spent. When a profit is earned, these profits are allocated back to the members in the form of capital credits. So as your cooperative enjoys financial success, as a member of FTC, you share in the success as well. Your portion of those credits is based upon the revenue that is generated by your services.