THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is crucial. From a safety and soundness perspective, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, CREDIT UNION OF SOUTHERN CALIFORNIA received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
CREDIT UNION OF SOUTHERN CALIFORNIA appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions.