THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial strength, capital is useful. When looking at safety and soundness, the higher the capital, the better.
MEMORIAL EMPLOYEES received a score of 10 out of a possible 30 points on our test to measure capital adequacy, failing to reach the national average of 15.65.
MEMORIAL EMPLOYEES appears to be weaker than its peers in this area, with a capitalization ratio of 10.00 percent in our test, below the average for all credit unions.