THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an a credit union's financial strength, capital is crucial. From a safety and soundness perspective, more capital is better.
On our test to measure capital adequacy, FIRST CALIFORNIA received a score of 8 out of a possible 30 points, lower than the national average of 15.65.
FIRST CALIFORNIA had a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.