THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members during times of financial trouble for the credit union. It follows then that when it comes to measuring an a credit union's financial fortitude, capital is key. 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, FINANCIAL ONE received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
FINANCIAL ONE appears to be weaker than its peers in this area, with a capitalization ratio of 8.00 percent in our test, worse than the average for all credit unions.