THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is an essential measurement of its financial resilience. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, STATE EMPLOYEES received a score of 4 out of a possible 30 points, falling short of the national average of 15.26.
STATE EMPLOYEES had a capitalization ratio of 7.00 percent in our test, lower than the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.