THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an a credit union'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, LAKE TRUST received a score of 6 out of a possible 30 points, below the national average of 15.65.
LAKE TRUST appears to be weaker than its peers in this area, with a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions.