THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members during periods of economic trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial strength, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, ALCOA COMMUNITY received a score of 10 out of a possible 30 points, less than the national average of 15.65.
ALCOA COMMUNITY had a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions, suggesting that it's on less solid financial footing than its peers.