THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, when it comes to measuring an an institution's financial resilience, capital is valuable. When it comes to safety and soundness, the more capital, the better.
CARDINAL CREDIT UNION, INC. fell short of the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 14 out of a possible 30 points.
CARDINAL CREDIT UNION, INC. had a capitalization ratio of 14.00 percent in our test, below the average for all credit unions, an indication that it's less well prepared for financial trouble than its peers.