THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial resilience, capital is valuable. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, CLEARVIEW received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
CLEARVIEW had a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions, a sign that it could have a harder time weathering financial trouble than its peers.