THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members during periods of economic instability for the credit union. It follows then that when it comes to measuring an an institution's financial resilience, capital is crucial. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, DAIJO racked up 26 out of a possible 30 points, above the national average of 15.26.
DAIJO appears to be more resilient than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.