THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is valuable. From a safety and soundness perspective, the more capital, the better.
HEALTHCARE 1ST finished below the national average of 15.65 on our test to measure capital adequacy, racking up 4 out of a possible 30 points.
HEALTHCARE 1ST appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 4.00 percent in our test, worse than the average for all credit unions.