THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial fortitude, capital is important. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, FIRST CHOICE COMMUNITY racked up 18 out of a possible 30 points, beating the national average of 15.65.
FIRST CHOICE COMMUNITY appears to be more resilient than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.