THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members during times of financial instability for the credit union. It follows then that when it comes to measuring an an institution's financial stability, capital is key. When it comes to safety and soundness, the higher the capital, the better.
E-CENTRAL did better than the national average of 15.26 points on our test to measure the adequacy of a credit union's capital, racking up 28 out of a possible 30 points.
E-CENTRAL had a capitalization ratio of 18.00 percent in our test, above the average for all credit unions, a sign that it could have an easier time weathering financial trouble than its peers.