THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members during periods of financial instability for the credit union. It follows then that when it comes to measuring an a credit union's financial stability, capital is important. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, CHICAGO AREA OFFICE racked up 30 out of a possible 30 points, better than the national average of 15.65.
CHICAGO AREA OFFICE appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 30.00 percent in our test, better than the average for all credit unions.