THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is crucial. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, MAINE SAVINGS received a score of 8 out of a possible 30 points, less than the national average of 15.65.
MAINE SAVINGS had a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions, suggesting that it's weaker than its peers.