THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as 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 key. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, NIAGARA FALLS MEM. MED. CENTER received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
NIAGARA FALLS MEM. MED. CENTER's capitalization ratio of 8.00 percent in our test was lower than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.