THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is experiencing financial trouble. Therefore, an institution's level of capital is an important measurement of its financial strength. When it comes to safety and soundness, the higher the capital, the better.
SHERWIN scored above the national average of 15.65 points on our test to measure the adequacy of a credit union's capital, receiving a score of 30 out of a possible 30 points.
SHERWIN had a capitalization ratio of 30.00 percent in our test, better than the average for all credit unions, suggesting that it's more well prepared for financial trouble than its peers.