THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members during times of economic instability for the credit union. It follows then that when it comes to measuring an an institution's financial resilience, capital is important. 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, F.C.S. achieved a score of 30 out of a possible 30 points, beating the national average of 15.65.
F.C.S. appears to be on more solid financial footing than its peers, with a capitalization ratio of 30.00 percent in our test, better than the average for all credit unions.