THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is an important measurement of its financial strength. When it comes to safety and soundness, the more capital, the better.
HAMAKUA COAST COMMUNITY achieved a score of 24 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, beating out the national average of 15.26.
HAMAKUA COAST COMMUNITY had a capitalization ratio of 17.00 percent in our test, above the average for all credit unions, an indication that it's on more solid financial footing than its peers.