THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial fortitude, capital is important. When looking at safety and soundness, more capital is preferred.
On our test to measure capital adequacy, SCIENT received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
SCIENT appears to be weaker than its peers in this area, with a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions.