THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an an institution's financial strength, capital is useful. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, UNITED NEIGHBORS received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
UNITED NEIGHBORS appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, below the average for all credit unions.