THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a crucial measurement of its financial fortitude. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, ALLIANT received a score of 12 out of a possible 30 points, lower than the national average of 15.26.
ALLIANT's capitalization ratio of 11.00 percent in our test was worse than the average for all credit unions, a sign that it's weaker than its peers.