THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members during periods of financial trouble for the credit union. Therefore, an institution's level of capital is a useful measurement of its financial resilience. From a safety and soundness perspective, the higher the capital, the better.
MEMBERS came in below the national average of 15.26 on our test to measure the adequacy of a credit union's capital, scoring 12 out of a possible 30 points.
MEMBERS appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 11.00 percent in our test, less than the average for all credit unions.