THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial resilience, capital is crucial. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, GENESEE VALLEY received a score of 10 out of a possible 30 points, coming in below the national average of 15.65.
GENESEE VALLEY had a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.