THE INSTITUTION'S SCORE
Capital works as a cushion against losses and as protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial fortitude, capital is important. From a safety and soundness perspective, more capital is better.
On our test to measure the adequacy of a credit union's capital, LOWER COLUMBIA LONGSHOREMEN received a score of 12 out of a possible 30 points, less than the national average of 15.65.
LOWER COLUMBIA LONGSHOREMEN had a capitalization ratio of 12.00 percent in our test, below the average for all credit unions, an indication that it could be less resilient in a crisis than its peers.