THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, CHRISTO REY scored 16 out of a possible 30 points, exceeding the national average of 15.65.
CHRISTO REY had a capitalization ratio of 16.00 percent in our test, identical the average for all credit unions, an indication that it's running neck and neck with its peers.