THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members during times of economic instability for the credit union. It follows then that when it comes to measuring an an institution's financial stability, capital is valuable. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, ALABAMA CENTRAL received a score of 8 out of a possible 30 points, falling short of the national average of 15.65.
ALABAMA CENTRAL appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions.