THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, a credit union's level of capital is a valuable measurement of its financial fortitude. When it comes to safety and soundness, the higher the capital, the better.
COMMUNITYWIDE racked up 24 out of a possible 30 points on our test to measure capital adequacy, beating the national average of 15.26.
COMMUNITYWIDE had a capitalization ratio of 16.00 percent in our test, better than the average for all credit unions, suggesting that it could have an easier time weathering financial trouble than its peers.