THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial strength, capital is valuable. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, BAYCEL racked up 24 out of a possible 30 points, exceeding the national average of 15.65.
BAYCEL appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 24.00 percent in our test, higher than the average for all credit unions.