THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an a credit union's financial stability, capital is useful. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, CORNERSTONE FINANCIAL received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
CORNERSTONE FINANCIAL had a capitalization ratio of 8.00 percent in our test, worse than the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.