THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, when it comes to measuring an an institution's financial fortitude, capital is valuable. From a safety and soundness perspective, more capital is better.
On our test to measure capital adequacy, UNIVERSAL scored 30 out of a possible 30 points, exceeding the national average of 15.65.
UNIVERSAL appears to be stronger than its peers, with a capitalization ratio of 30.00 percent in our test, above the average for all credit unions.