THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an a credit union's financial stability, capital is important. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, STATE CS EMPLOYEES received a score of 14 out of a possible 30 points, less than the national average of 15.65.
STATE CS EMPLOYEES appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, less than the average for all credit unions.