THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is an important measurement of its financial fortitude. 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, MID-ATLANTIC received a score of 4 out of a possible 30 points, below the national average of 15.65.
MID-ATLANTIC had a capitalization ratio of 4.00 percent in our test, lower than the average for all credit unions, suggesting that it's on less solid financial footing than its peers.