THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members during times of economic instability for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is crucial. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, MASSMUTUAL racked up 16 out of a possible 30 points, beating the national average of 15.65.
MASSMUTUAL had a capitalization ratio of 16.00 percent in our test, equal to the average for all credit unions, suggesting that it's right in line with its peers.