THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial instability. It follows then that an institution's level of capital is a useful measurement of its financial resilience. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, KIEF PROTECTIVE MUTUAL BENEFIT ASS. achieved a score of 30 out of a possible 30 points, beating out the national average of 15.65.
KIEF PROTECTIVE MUTUAL BENEFIT ASS. had a capitalization ratio of 30.00 percent in our test, higher than the average for all credit unions, an indication that it could be more resilient in a crisis than its peers.