THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is crucial. When it comes to safety and soundness, the more capital, the better.
HAMILTON HORIZONS came in below the national average of 15.65 on our test to measure capital adequacy, achieving a score of 6 out of a possible 30 points.
HAMILTON HORIZONS appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 6.00 percent in our test, less than the average for all credit unions.