THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is crucial. When looking at safety and soundness, the more capital, the better.
HSM received a score of 10 out of a possible 30 points on our test to measure capital adequacy, lower than the national average of 15.65.
HSM appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions.