THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is essential. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, BLACK HILLS received a score of 14 out of a possible 30 points, coming in below the national average of 15.65.
BLACK HILLS appears to be weaker than its peers in this area, with a capitalization ratio of 14.00 percent in our test, less than the average for all credit unions.