THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial resilience, capital is essential. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, CTA - C AND M achieved a score of 16 out of a possible 30 points, beating the national average of 15.65.
CTA - C AND M had a capitalization ratio of 16.00 percent in our test, equal to the average for all credit unions, a sign that it's right in line with its peers.