THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an a credit union's financial resilience, capital is essential. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, SOUTH DIVISION received a score of 12 out of a possible 30 points, below the national average of 15.26.
SOUTH DIVISION's capitalization ratio of 10.00 percent in our test was lower than the average for all credit unions, suggesting that it's on less solid financial footing than its peers.