THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial strength, capital is valuable. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, DISTRICT #6 received a score of 8 out of a possible 30 points, falling short of the national average of 15.65.
DISTRICT #6 had a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions, suggesting that it could be less resilient in a crisis than its peers.