THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members during times of economic trouble for the credit union. Therefore, an institution's level of capital is an important measurement of its financial resilience. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, QUANTUM received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
QUANTUM had a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions, an indication that it's on less solid financial footing than its peers.