THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial strength, capital is key. When it comes to safety and soundness, the higher the capital, the better.
SOUTHERN TEACHERS & PARENTS received a score of 6 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, lower than the national average of 15.65.
SOUTHERN TEACHERS & PARENTS had a capitalization ratio of 6.00 percent in our test, worse than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.