THE INSTITUTION'S SCORE
Capital works 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 fortitude, capital is important. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, HANIN received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
HANIN appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, lower than the average for all credit unions.