THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is important. When it comes to safety and soundness, the higher the capital, the better.
UNIVERSAL 1 received a score of 8 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, falling short of the national average of 15.65.
UNIVERSAL 1 appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions.