THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial stability, capital is valuable. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, FAMILY SAVINGS received a score of 12 out of a possible 30 points, less than the national average of 15.65.
FAMILY SAVINGS had a capitalization ratio of 12.00 percent in our test, less than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.