THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an an institution's financial stability, capital is valuable. From a safety and soundness perspective, the more capital, the better.
KELLY COMMUNITY racked up 16 out of a possible 30 points on our test to measure capital adequacy, exceeding the national average of 15.65.
KELLY COMMUNITY had a capitalization ratio of 16.00 percent in our test, equal to the average for all credit unions, a sign that it's running neck and neck with its peers.