THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. When looking at safety and soundness, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, HOLLEY received a score of 14 out of a possible 30 points, lower than the national average of 15.65.
HOLLEY had a capitalization ratio of 14.00 percent in our test, below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.