THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is struggling financially. It follows then that an institution's level of capital is a valuable measurement of its financial fortitude. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, ST. AGNES EMPLS. received a score of 10 out of a possible 30 points, lower than the national average of 15.65.
ST. AGNES EMPLS. appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions.