THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is experiencing financial instability. Therefore, when it comes to measuring an an institution's financial stability, capital is useful. When it comes to safety and soundness, the higher the capital, the better.
ALLIED TRADES beat out the national average of 15.26 points on our test to measure the adequacy of a credit union's capital, scoring 16 out of a possible 30 points.
ALLIED TRADES 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, worse than the average for all credit unions.