THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is valuable. When looking at safety and soundness, the higher the capital, the better.
ECU racked up 20 out of a possible 30 points on our test to measure capital adequacy, beating the national average of 15.65.
ECU's capitalization ratio of 20.00 percent in our test was higher than the average for all credit unions, suggesting that it's stronger than its peers.