THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members during times of financial instability for the credit union. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is essential. When it comes to safety and soundness, the higher the capital, the better.
MOUNTAIN RIVER came in below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 6 out of a possible 30 points.
MOUNTAIN RIVER appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 6.00 percent in our test, worse than the average for all credit unions.