THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members when a credit union is experiencing economic trouble. It follows then that when it comes to measuring an a credit union's financial resilience, capital is essential. When looking at safety and soundness, the more capital, the better.
GIRARD racked up 30 out of a possible 30 points on our test to measure capital adequacy, exceeding the national average of 15.65.
GIRARD had a capitalization ratio of 30.00 percent in our test, above the average for all credit unions, an indication that it's stronger than its peers.