THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, G.H.S. received a score of 10 out of a possible 30 points, coming in below the national average of 15.65.
G.H.S. had a capitalization ratio of 10.00 percent in our test, below the average for all credit unions, suggesting that it's on less solid financial footing than its peers.