THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members during periods of financial instability for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is essential. When looking at safety and soundness, more capital is preferred.
On our test to measure capital adequacy, MUTUAL FIRST received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
MUTUAL FIRST appears to be weaker than its peers in this area, with a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions.