THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is essential. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, SEARS SPOKANE EMPLOYEES received a score of 6 out of a possible 30 points, coming in below the national average of 15.65.
SEARS SPOKANE EMPLOYEES appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions.