We take the total allocable margins for the year, excluding allocations of margins from our G&T (see What is the G&T Capital Credit Allocation? for more information), and divide it by the total patronage of all Members. Each Member's annual total patronage is multiplied by this number to determine their Co-op Capital Credit Allocation. In simple terms, the more electricity you buy, the more Capital Credits will be allocated to your account each year. And the longer you are a Member, the more allocations you will accumulate in the Cooperative-maintained account in your name.