THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is an essential measurement of its financial fortitude. When looking at safety and soundness, the more capital, the better.
BALTIMORE WASHINGTON received a score of 8 out of a possible 30 points on our test to measure capital adequacy, lower than the national average of 15.65.
BALTIMORE WASHINGTON had a capitalization ratio of 8.00 percent in our test, below the average for all credit unions, suggesting that it could be less resilient in a crisis than its peers.