THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is experiencing economic trouble. It follows then that when it comes to measuring an a credit union's financial resilience, capital is important. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, ISABELLA COMMUNITY received a score of 8 out of a possible 30 points, failing to reach the national average of 15.65.
ISABELLA COMMUNITY had a capitalization ratio of 8.00 percent in our test, worse than the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.