THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is essential. When it comes to safety and soundness, more capital is better.
On our test to measure capital adequacy, ILLINOIS VALLEY received a score of 14 out of a possible 30 points, failing to reach the national average of 15.65.
ILLINOIS VALLEY had a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions, a sign that it could have a harder time weathering financial trouble than its peers.