THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an a credit union's financial strength, capital is useful. When it comes to safety and soundness, the higher the capital, the better.
AP fell below the national average of 15.26 on our test to measure capital adequacy, achieving a score of 14 out of a possible 30 points.
AP's capitalization ratio of 11.00 percent in our test was lower than the average for all credit unions, a sign that it's on less solid financial footing than its peers.