THE INSTITUTION'S SCORE
When it comes to measuring a credit union's financial fortitude, capital is valuable. It works as a cushion against losses and affords protection for members during times of financial instability for the credit union. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, GOLDEN CIRCLE achieved a score of 24 out of a possible 30 points, better than the national average of 15.65.
GOLDEN CIRCLE had a capitalization ratio of 24.00 percent in our test, above the average for all credit unions, suggesting that it could have an easier time weathering financial trouble than its peers.