THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a crucial measurement of its financial fortitude. From a safety and soundness perspective, the higher the capital, the better.
BEAUMONT COMMUNITY fell short of the national average of 15.65 on our test to measure capital adequacy, achieving a score of 12 out of a possible 30 points.
BEAUMONT COMMUNITY had a capitalization ratio of 12.00 percent in our test, less than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.