THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial strength, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, PINN MEMORIAL racked up 18 out of a possible 30 points, above the national average of 15.65.
PINN MEMORIAL had a capitalization ratio of 18.00 percent in our test, above the average for all credit unions, an indication that it's more well prepared for financial trouble than its peers.