THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is crucial. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, FIRST BRISTOL received a score of 14 out of a possible 30 points, falling short of the national average of 15.65.
FIRST BRISTOL had a capitalization ratio of 14.00 percent in our test, lower than the average for all credit unions, a sign that it could have a harder time weathering financial trouble than its peers.