THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing financial trouble. It follows then that 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, VIRGINIA UNITED METHODIST received a score of 6 out of a possible 30 points, below the national average of 15.65.
VIRGINIA UNITED METHODIST appears to be weaker than its peers in this area, with a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions.