THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an an institution's financial resilience, capital is valuable. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, AVADIAN received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
AVADIAN appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions.