THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during periods of economic instability for the credit union. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. From a safety and soundness perspective, the more capital, the better.
ONE DETROIT scored below the national average of 15.65 on our test to measure capital adequacy, achieving a score of 14 out of a possible 30 points.
ONE DETROIT appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, below the average for all credit unions.