THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an a credit union's financial stability, capital is useful. When looking at safety and soundness, the higher the capital, the better.
MELROSE FIRST scored 22 out of a possible 30 points on our test to measure capital adequacy, beating out the national average of 15.65.
MELROSE FIRST appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 22.00 percent in our test, above the average for all credit unions.