THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an an institution's financial fortitude, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, KAIPERM racked up 18 out of a possible 30 points, better than the national average of 15.65.
KAIPERM appears to be more resilient than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.