THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is experiencing economic instability. Therefore, an institution's level of capital is a valuable measurement of its financial resilience. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, DOVER received a score of 6 out of a possible 30 points, below the national average of 15.65.
DOVER appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 6.00 percent in our test, below the average for all credit unions.