THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, a credit union's level of capital is a crucial measurement of its financial strength. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, GP COMMUNITY received a score of 4 out of a possible 30 points, less than the national average of 15.26.
GP COMMUNITY had a capitalization ratio of 7.00 percent in our test, worse than the average for all credit unions, a sign that it's weaker than its peers.