THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a valuable measurement of its financial resilience. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, FIRST PA TWP EMP received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
FIRST PA TWP EMP appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions.