THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is useful. From a safety and soundness perspective, the more capital, the better.
GARDINER scored 16 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, better than the national average of 15.65.
GARDINER had a capitalization ratio of 16.00 percent in our test, identical the average for all credit unions, suggesting that it's right in line with its peers.