THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing financial instability. It follows then that when it comes to measuring an an institution's financial resilience, capital is valuable. When looking at safety and soundness, the more capital, the better.
OAKLAND COUNTY finished below the national average of 15.65 on our test to measure capital adequacy, scoring 12 out of a possible 30 points.
OAKLAND COUNTY had a capitalization ratio of 12.00 percent in our test, below the average for all credit unions, suggesting that it's on less solid financial footing than its peers.