THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members during periods of economic instability for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, SCRANTON TIMES DOWNTOWN received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
SCRANTON TIMES DOWNTOWN appears to be weaker than its peers in this area, with a capitalization ratio of 10.00 percent in our test, less than the average for all credit unions.