THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that a credit union's level of capital is a valuable measurement of its financial resilience. 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, GPCE received a score of 8 out of a possible 30 points, lower than the national average of 15.65.
GPCE appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions.