THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is valuable. When it comes to safety and soundness, the higher the capital, the better.
1ST COOPERATIVE exceeded the national average of 15.65 points on our test to measure capital adequacy, receiving a score of 18 out of a possible 30 points.
1ST COOPERATIVE appears to be on more solid financial footing than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.