THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, when it comes to measuring an an institution's financial strength, capital is key. When looking at safety and soundness, the more capital, the better.
ALCOSE scored 18 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, above the national average of 15.65.
ALCOSE had a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.