THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an a credit union's financial strength, capital is important. From a safety and soundness perspective, the more capital, the better.
MILLBURY came in below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, receiving a score of 6 out of a possible 30 points.
MILLBURY had a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions, suggesting that it's on less solid financial footing than its peers.