THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial strength, capital is important. When looking at safety and soundness, the more capital, the better.
PENNINGTON MUNICIPAL & COUNTY EMPLO fell below the national average of 15.26 on our test to measure the adequacy of a credit union's capital, achieving a score of 14 out of a possible 30 points.
PENNINGTON MUNICIPAL & COUNTY EMPLO had a capitalization ratio of 12.00 percent in our test, below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.