THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members during periods of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. When looking at safety and soundness, the more capital, the better.
UPSTATE TELCO did better than the national average of 15.65 points on our test to measure capital adequacy, achieving a score of 22 out of a possible 30 points.
UPSTATE TELCO had a capitalization ratio of 22.00 percent in our test, higher than the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.