THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial resilience, capital is key. When it comes to safety and soundness, the more capital, the better.
MONROE COUNTY TEACHERS finished below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 10 out of a possible 30 points.
MONROE COUNTY TEACHERS had a capitalization ratio of 10.00 percent in our test, less than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.