THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, an institution's level of capital is a valuable measurement of its financial strength. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, UNIVERSITY OF PENNSYLVANIA STUDENTS received a score of 10 out of a possible 30 points, coming in below the national average of 15.65.
UNIVERSITY OF PENNSYLVANIA STUDENTS had a capitalization ratio of 10.00 percent in our test, below the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.