THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is an essential measurement of its financial resilience. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, SUPERIOR MUNICIPAL EMPLOYEES scored 24 out of a possible 30 points, better than the national average of 15.65.
SUPERIOR MUNICIPAL EMPLOYEES's capitalization ratio of 24.00 percent in our test was better than the average for all credit unions, a sign that it's more well prepared for financial trouble than its peers.