THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is experiencing economic trouble. 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.
On our test to measure the adequacy of a credit union's capital, HEARTLAND received a score of 10 out of a possible 30 points, less than the national average of 15.65.
HEARTLAND appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, below the average for all credit unions.