THE INSTITUTION'S SCORE
Capital works 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 a useful 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, CHANGING SEASONS received a score of 12 out of a possible 30 points, failing to reach the national average of 15.65.
CHANGING SEASONS's capitalization ratio of 12.00 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.