THE INSTITUTION'S SCORE
When it comes to measuring a credit union's financial fortitude, capital is useful. It works as a buffer against losses and affords protection for members when a credit union is struggling financially. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, CONSUMER received a score of 12 out of a possible 30 points, below the national average of 15.65.
CONSUMER had a capitalization ratio of 12.00 percent in our test, below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.