THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during periods of financial instability for the credit union. Therefore, a credit union's level of capital is an essential measurement of its financial strength. When looking at safety and soundness, the more capital, the better.
S I EMPLOYEES exceeded the national average of 15.65 points on our test to measure capital adequacy, racking up 30 out of a possible 30 points.
S I EMPLOYEES had a capitalization ratio of 30.00 percent in our test, above the average for all credit unions, suggesting that it's more well prepared for financial trouble than its peers.