THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a useful measurement of its financial resilience. When looking at safety and soundness, the more capital, the better.
FIRST ALLIANCE received a score of 14 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, coming in below the national average of 15.65.
FIRST ALLIANCE appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, less than the average for all credit unions.