THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members during times of economic instability for the credit union. Therefore, when it comes to measuring an an institution's financial strength, capital is valuable. From a safety and soundness perspective, the higher the capital, the better.
GEORGIA HERITAGE received a score of 14 out of a possible 30 points on our test to measure capital adequacy, lower than the national average of 15.65.
GEORGIA HERITAGE appears to be weaker than its peers in this area, with a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions.