THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during periods 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 looking at safety and soundness, the more capital, the better.
MONTEREY exceeded the national average of 15.26 points on our test to measure the adequacy of a credit union's capital, scoring 18 out of a possible 30 points.
MONTEREY appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 14.00 percent in our test, above the average for all credit unions.