THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an a credit union's financial strength, capital is essential. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, F & A scored 20 out of a possible 30 points, better than the national average of 15.26.
F & A had a capitalization ratio of 15.00 percent in our test, better than the average for all credit unions, a sign that it's on more solid financial footing than its peers.