THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial fortitude, capital is useful. When looking at safety and soundness, the more capital, the better.
STATE FARM exceeded the national average of 15.26 points on our test to measure the adequacy of a credit union's capital, receiving a score of 18 out of a possible 30 points.
STATE FARM had a capitalization ratio of 13.00 percent in our test, identical the average for all credit unions, a sign that it's right in line with its peers.