THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during periods of economic trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial resilience, capital is crucial. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, EDUCATION PLUS racked up 24 out of a possible 30 points, beating the national average of 15.65.
EDUCATION PLUS had a capitalization ratio of 24.00 percent in our test, better than the average for all credit unions, a sign that it's more well prepared for financial trouble than its peers.