THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members during times of financial instability for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is key. When it comes to safety and soundness, more capital is preferred.
On our test to measure capital adequacy, DEMOCRAT P & L racked up 30 out of a possible 30 points, beating the national average of 15.65.
DEMOCRAT P & L appears to be stronger than its peers, with a capitalization ratio of 30.00 percent in our test, higher than the average for all credit unions.