THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is key. From a safety and soundness perspective, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, FIRST BAPTIST CHURCH achieved a score of 28 out of a possible 30 points, above the national average of 15.65.
FIRST BAPTIST CHURCH appears to be stronger than its peers, with a capitalization ratio of 28.00 percent in our test, higher than the average for all credit unions.