THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial resilience, capital is important. When it comes to safety and soundness, the higher the capital, the better.
LISTERHILL finished below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 10 out of a possible 30 points.
LISTERHILL had a capitalization ratio of 10.00 percent in our test, below the average for all credit unions, a sign that it's weaker than its peers.