THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial stability, capital is key. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, MONTEREY scored 18 out of a possible 30 points, beating the national average of 15.65.
MONTEREY appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 18.00 percent in our test, above the average for all credit unions.