THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members during times of financial trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial stability, capital is useful. When it comes to safety and soundness, the higher the capital, the better.
SB COMMUNITY received a score of 8 out of a possible 30 points on our test to measure capital adequacy, failing to reach the national average of 15.65.
SB COMMUNITY had a capitalization ratio of 8.00 percent in our test, below the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.