THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is an important measurement of its financial fortitude. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, NATIONAL GEOGRAPHIC received a score of 12 out of a possible 30 points, below the national average of 15.65.
NATIONAL GEOGRAPHIC's capitalization ratio of 12.00 percent in our test was lower than the average for all credit unions, a sign that it's on less solid financial footing than its peers.