THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members during times of financial trouble for the credit union. Therefore, a credit union's level of capital is an important measurement of its financial resilience. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, L G & W racked up 30 out of a possible 30 points, beating the national average of 15.65.
L G & W had a capitalization ratio of 30.00 percent in our test, above the average for all credit unions, suggesting that it's more well prepared for financial trouble than its peers.