THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an an institution's financial fortitude, capital is useful. When it comes to safety and soundness, the higher the capital, the better.
KAHULUI scored 20 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, better than the national average of 15.65.
KAHULUI had a capitalization ratio of 20.00 percent in our test, above the average for all credit unions, suggesting that it could have an easier time weathering financial trouble than its peers.