THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial fortitude, capital is key. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, GUADALUPE received a score of 14 out of a possible 30 points, coming in below the national average of 15.65.
GUADALUPE appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, less than the average for all credit unions.