THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is experiencing economic instability. Therefore, an institution's level of capital is an essential measurement of its financial strength. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, FINANCIAL CENTER FIRST scored 16 out of a possible 30 points, beating the national average of 15.65.
FINANCIAL CENTER FIRST had a capitalization ratio of 16.00 percent in our test, the same as the average for all credit unions, suggesting that it's right in line with its peers.