THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is crucial. From a safety and soundness perspective, more capital is better.
N.U.L. did better than the national average of 15.65 points on our test to measure capital adequacy, racking up 30 out of a possible 30 points.
N.U.L. appears to be more resilient than its peers, with a capitalization ratio of 30.00 percent in our test, above the average for all credit unions.