THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members during periods of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial strength, capital is important. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, FIRST ABILENE received a score of 12 out of a possible 30 points, lower than the national average of 15.65.
FIRST ABILENE had a capitalization ratio of 12.00 percent in our test, worse than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.