THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members during times of financial trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial fortitude, capital is crucial. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, MIDWEST AMERICA scored 18 out of a possible 30 points, beating the national average of 15.65.
MIDWEST AMERICA appears to be stronger than its peers, with a capitalization ratio of 18.00 percent in our test, higher than the average for all credit unions.