THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. It follows then that when it comes to measuring an an institution's financial stability, capital is important. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, AGASSIZ received a score of 6 out of a possible 30 points, below the national average of 15.65.
AGASSIZ's capitalization ratio of 6.00 percent in our test was below the average for all credit unions, an indication that it could be less resilient in a crisis than its peers.