THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, a credit union's level of capital is a valuable measurement of its financial fortitude. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, GARDEN ISLAND scored 20 out of a possible 30 points, beating out the national average of 15.65.
GARDEN ISLAND appears to be more resilient than its peers, with a capitalization ratio of 20.00 percent in our test, higher than the average for all credit unions.