THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is a key measurement of its financial fortitude. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, HOLLYFRONTIER EMPLOYEE'S achieved a score of 30 out of a possible 30 points, beating the national average of 15.65.
HOLLYFRONTIER EMPLOYEE'S appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 30.00 percent in our test, higher than the average for all credit unions.