THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members during periods of financial instability for the credit union. It follows then that an institution's level of capital is an important measurement of its financial strength. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, FAMILY HORIZONS achieved a score of 16 out of a possible 30 points, better than the national average of 15.65.
FAMILY HORIZONS had a capitalization ratio of 16.00 percent in our test, the same as the average for all credit unions, an indication that it's right in line with its peers.