THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a crucial measurement of its financial resilience. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, SAN FRANCISCO received a score of 12 out of a possible 30 points, below the national average of 15.26.
SAN FRANCISCO had a capitalization ratio of 11.00 percent in our test, worse than the average for all credit unions, an indication that it's weaker than its peers.