THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial resilience, capital is important. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, GHA received a score of 12 out of a possible 30 points, less than the national average of 15.65.
GHA had a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.