THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial fortitude, capital is key. When looking at safety and soundness, the higher the capital, the better.
SOMERVILLE SCHOOL EMPLOYEES beat out the national average of 15.65 points on our test to measure the adequacy of a credit union's capital, achieving a score of 20 out of a possible 30 points.
SOMERVILLE SCHOOL EMPLOYEES appears to be stronger than its peers, with a capitalization ratio of 20.00 percent in our test, better than the average for all credit unions.