THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members during periods of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is essential. From a safety and soundness perspective, the higher the capital, the better.
BAYOU COMMUNITY came in below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, scoring 14 out of a possible 30 points.
BAYOU COMMUNITY appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, lower than the average for all credit unions.