THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial resilience, capital is essential. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, SOOPER received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
SOOPER appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions.