THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial resilience, capital is valuable. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, CHIVAHO achieved a score of 22 out of a possible 30 points, beating out the national average of 15.65.
CHIVAHO had a capitalization ratio of 22.00 percent in our test, above the average for all credit unions, suggesting that it's on more solid financial footing than its peers.