THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members during periods of financial instability for the credit union. Therefore, when it comes to measuring an an institution's financial stability, capital is valuable. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, A. B. & W. EMP. CREDIT UNION INC racked up 22 out of a possible 30 points, beating out the national average of 15.65.
A. B. & W. EMP. CREDIT UNION INC's capitalization ratio of 22.00 percent in our test was above the average for all credit unions, suggesting that it's stronger than its peers.