THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is key. When it comes to safety and soundness, the higher the capital, the better.
LINCOLN NATIONAL exceeded the national average of 15.65 points on our test to measure the adequacy of a credit union's capital, achieving a score of 22 out of a possible 30 points.
LINCOLN NATIONAL had a capitalization ratio of 22.00 percent in our test, above the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.