THE INSTITUTION'S SCORE
Capital acts as a buffer 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 strength, capital is essential. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, HEALTHCARE EMPLOYEES received a score of 8 out of a possible 30 points, falling short of the national average of 15.65.
HEALTHCARE EMPLOYEES had a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions, suggesting that it could be less resilient in a crisis than its peers.