THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, an institution's level of capital is an essential measurement of its financial fortitude. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, EMERALD CREDIT UNION, INC. received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
EMERALD CREDIT UNION, INC.'s capitalization ratio of 12.00 percent in our test was below the average for all credit unions, a sign that it's less well prepared for financial trouble than its peers.