THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members during times of financial instability for the credit union. Therefore, an institution's level of capital is an important measurement of its financial fortitude. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, HERSHEY received a score of 6 out of a possible 30 points, coming in below the national average of 15.65.
HERSHEY appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 6.00 percent in our test, below the average for all credit unions.