THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is valuable. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, BALDWIN COUNTY racked up 18 out of a possible 30 points, exceeding the national average of 15.65.
BALDWIN COUNTY's capitalization ratio of 18.00 percent in our test was above the average for all credit unions, an indication that it's more well prepared for financial trouble than its peers.