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. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. From a safety and soundness perspective, the higher the capital, the better.
HEARD A.M.E. came in below the national average of 15.65 on our test to measure capital adequacy, receiving a score of 14 out of a possible 30 points.
HEARD A.M.E. appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, lower than the average for all credit unions.