THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, an institution's level of capital is a crucial measurement of its financial resilience. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, HIGH SIERRA scored 18 out of a possible 30 points, above the national average of 15.65.
HIGH SIERRA appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.