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 strength, capital is important. When looking at safety and soundness, the higher the capital, the better.
HEALTHCARE FIRST CREDIT UNION came in below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, scoring 12 out of a possible 30 points.
HEALTHCARE FIRST CREDIT UNION appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 12.00 percent in our test, below the average for all credit unions.