THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members during periods of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial strength, capital is key. When it comes to safety and soundness, the more capital, the better.
BVA received a score of 12 out of a possible 30 points on our test to measure capital adequacy, less than the national average of 15.65.
BVA had a capitalization ratio of 12.00 percent in our test, less than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.