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 resilience, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, JACL scored 30 out of a possible 30 points, above the national average of 15.65.
JACL appears to be more resilient than its peers, with a capitalization ratio of 30.00 percent in our test, above the average for all credit unions.