THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is useful. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, MUSICIANS scored 18 out of a possible 30 points, better than the national average of 15.65.
MUSICIANS had a capitalization ratio of 18.00 percent in our test, above the average for all credit unions, suggesting that it could have an easier time weathering financial trouble than its peers.