THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an an institution's financial strength, capital is useful. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, NORTHWOODS COMMUNITY received a score of 12 out of a possible 30 points, less than the national average of 15.65.
NORTHWOODS COMMUNITY 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, below the average for all credit unions.