THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, when it comes to measuring an a credit union's financial strength, capital is essential. When it comes to safety and soundness, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, EDUCATIONAL EMPLOYEES received a score of 14 out of a possible 30 points, below the national average of 15.65.
EDUCATIONAL EMPLOYEES appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions.