THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial stability, capital is important. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, GOLDENWEST achieved a score of 18 out of a possible 30 points, beating the national average of 15.65.
GOLDENWEST had a capitalization ratio of 18.00 percent in our test, higher than the average for all credit unions, suggesting that it's on more solid financial footing than its peers.