THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during times of financial trouble for the credit union. Therefore, a credit union's level of capital is an important measurement of its financial strength. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, AMBRAW received a score of 10 out of a possible 30 points, failing to reach the national average of 15.65.
AMBRAW had a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.