THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members during periods of economic instability for the credit union. Therefore, an institution's level of capital is a crucial measurement of its financial fortitude. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, MISSOURI BAPTIST received a score of 6 out of a possible 30 points, failing to reach the national average of 15.65.
MISSOURI BAPTIST had a capitalization ratio of 6.00 percent in our test, worse than the average for all credit unions, an indication that it's on less solid financial footing than its peers.