THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is experiencing financial trouble. It follows then that when it comes to measuring an a credit union's financial resilience, capital is essential. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, JUSTICE received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
JUSTICE's capitalization ratio of 12.00 percent in our test was less than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.