THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is experiencing economic trouble. It follows then that when it comes to measuring an an institution's financial resilience, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, VERMONT received a score of 8 out of a possible 30 points, falling short of the national average of 15.65.
VERMONT appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 8.00 percent in our test, below the average for all credit unions.