THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial fortitude, capital is useful. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, MICHIGAN STATE UNIVERSITY received a score of 12 out of a possible 30 points, failing to reach the national average of 15.65.
MICHIGAN STATE UNIVERSITY appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions.