THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members during periods of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is valuable. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, SOUTHLAND received a score of 14 out of a possible 30 points, less than the national average of 15.65.
SOUTHLAND had a capitalization ratio of 14.00 percent in our test, below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.