THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is key. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, MCPHERSON CO-OP received a score of 10 out of a possible 30 points, below the national average of 15.65.
MCPHERSON CO-OP's capitalization ratio of 10.00 percent in our test was lower than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.