THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is useful. When it comes to safety and soundness, more capital is preferred.
On our test to measure capital adequacy, FIRST CREDIT UNION OF SCRANTON received a score of 4 out of a possible 30 points, less than the national average of 15.65.
FIRST CREDIT UNION OF SCRANTON appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 4.00 percent in our test, worse than the average for all credit unions.