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 strength. 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, MONEY ONE received a score of 10 out of a possible 30 points, below the national average of 15.65.
MONEY ONE appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, below the average for all credit unions.