THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members during periods of financial trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is important. When it comes to safety and soundness, the more capital, the better.
NORTHERN SKIES received a score of 12 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, below the national average of 15.65.
NORTHERN SKIES appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, worse than the average for all credit unions.