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 useful. When looking at safety and soundness, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, GUARDIAN received a score of 8 out of a possible 30 points, coming in below the national average of 15.65.
GUARDIAN had a capitalization ratio of 8.00 percent in our test, worse than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.