THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is a crucial 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, ALIGN received a score of 14 out of a possible 30 points, coming in below the national average of 15.26.
ALIGN appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, less than the average for all credit unions.