THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial stability, capital is valuable. From a safety and soundness perspective, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, HOMETOWN achieved a score of 30 out of a possible 30 points, exceeding the national average of 15.65.
HOMETOWN appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 30.00 percent in our test, above the average for all credit unions.