THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members during times of financial instability for the credit union. It follows then that when it comes to measuring an a credit union's financial fortitude, capital is key. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, DEMOPOLIS received a score of 12 out of a possible 30 points, lower than the national average of 15.65.
DEMOPOLIS had a capitalization ratio of 12.00 percent in our test, below the average for all credit unions, suggesting that it's weaker than its peers.