THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, an institution's level of capital is a valuable measurement of its financial fortitude. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, LOWLAND received a score of 8 out of a possible 30 points, less than the national average of 15.65.
LOWLAND had a capitalization ratio of 8.00 percent in our test, lower than the average for all credit unions, suggesting that it's on less solid financial footing than its peers.