THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is a useful measurement of its financial fortitude. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, TEWKSBURY received a score of 14 out of a possible 30 points, coming in below the national average of 15.65.
TEWKSBURY 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, below the average for all credit unions.