THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an an institution's financial fortitude, capital is key. When it comes to safety and soundness, the more capital, the better.
MINUTEMAN fell below the national average of 15.65 on our test to measure capital adequacy, scoring 10 out of a possible 30 points.
MINUTEMAN appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions.