THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing financial instability. It follows then that when it comes to measuring an an institution's financial resilience, capital is key. From a safety and soundness perspective, the higher the capital, the better.
PIONEER MUTUAL achieved a score of 22 out of a possible 30 points on our test to measure capital adequacy, beating the national average of 15.26.
PIONEER MUTUAL had a capitalization ratio of 15.00 percent in our test, better than the average for all credit unions, suggesting that it's stronger than its peers.