THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members when a credit union is experiencing economic trouble. It follows then that when it comes to measuring an an institution's financial stability, capital is key. When it comes to safety and soundness, the higher the capital, the better.
AMERICAN SPIRIT did better than the national average of 15.65 points on our test to measure capital adequacy, scoring 20 out of a possible 30 points.
AMERICAN SPIRIT appears to be on more solid financial footing than its peers, with a capitalization ratio of 20.00 percent in our test, higher than the average for all credit unions.