THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial stability, capital is useful. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, 1ST FINANCIAL received a score of 6 out of a possible 30 points, failing to reach the national average of 15.65.
1ST FINANCIAL appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 6.00 percent in our test, worse than the average for all credit unions.