THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is key. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, AMERICA'S racked up 16 out of a possible 30 points, beating out the national average of 15.26.
AMERICA'S appears to be weaker than its peers in this area, with a capitalization ratio of 12.00 percent in our test, below the average for all credit unions.