THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial resilience, capital is important. When it comes to safety and soundness, the more capital, the better.
ATHENS AREA beat out the national average of 15.65 points on our test to measure capital adequacy, racking up 16 out of a possible 30 points.
ATHENS AREA had a capitalization ratio of 16.00 percent in our test, the same as the average for all credit unions, suggesting that it's running neck and neck with its peers.