THE INSTITUTION'S SCORE
Capital acts as a bulwark 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 stability, capital is crucial. From a safety and soundness perspective, more capital is preferred.
On our test to measure capital adequacy, I R E B achieved a score of 18 out of a possible 30 points, exceeding the national average of 15.65.
I R E B's capitalization ratio of 18.00 percent in our test was better than the average for all credit unions, suggesting that it's stronger than its peers.