THE INSTITUTION'S SCORE
When it comes to measuring an institution's financial fortitude, capital is important. It acts as a bulwark against losses and as protection for members when a credit union is struggling financially. 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, H.P.C. achieved a score of 18 out of a possible 30 points, beating out the national average of 15.65.
H.P.C. appears to be stronger than its peers, with a capitalization ratio of 18.00 percent in our test, above the average for all credit unions.