THE INSTITUTION'S SCORE
When it comes to measuring a credit union's financial stability, capital is crucial. It works as a bulwark against losses and as protection for members when a credit union is experiencing economic trouble. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, NORTHWOOD received a score of 14 out of a possible 30 points, falling short of the national average of 15.65.
NORTHWOOD appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions.