THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an a credit union's financial strength, capital is useful. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, 1ST COMMUNITY received a score of 10 out of a possible 30 points, less than the national average of 15.65.
1ST COMMUNITY appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions.