THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, FIRST IMPERIAL received a score of 10 out of a possible 30 points, failing to reach the national average of 15.26.
FIRST IMPERIAL appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 9.00 percent in our test, less than the average for all credit unions.