THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members when a credit union is experiencing financial instability. Therefore, a credit union's level of capital is a crucial measurement of its financial resilience. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, UNITED ENERGY scored 26 out of a possible 30 points, beating out the national average of 15.65.
UNITED ENERGY had a capitalization ratio of 26.00 percent in our test, above the average for all credit unions, an indication that it could have an easier time weathering financial trouble than its peers.