THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members during periods of financial instability for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is key. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, YOAKUM COUNTY achieved a score of 28 out of a possible 30 points, above the national average of 15.26.
YOAKUM COUNTY had a capitalization ratio of 18.00 percent in our test, higher than the average for all credit unions, an indication that it could have an easier time weathering financial trouble than its peers.