THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members during times of economic instability for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is essential. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, LIBRARY OF CONGRESS scored 20 out of a possible 30 points, beating out the national average of 15.26.
LIBRARY OF CONGRESS's capitalization ratio of 15.00 percent in our test was above the average for all credit unions, a sign that it's stronger than its peers.