THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is experiencing financial trouble. It follows then that when it comes to measuring an a credit union's financial strength, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, ROCHESTER & MONROE CO EMP received a score of 14 out of a possible 30 points, failing to reach the national average of 15.65.
ROCHESTER & MONROE CO EMP had a capitalization ratio of 14.00 percent in our test, below the average for all credit unions, a sign that it's on less solid financial footing than its peers.