THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members during periods of financial instability for the credit union. It follows then that when it comes to measuring an a credit union's financial stability, capital is key. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, NAVY ARMY COMMUNITY received a score of 12 out of a possible 30 points, lower than the national average of 15.65.
NAVY ARMY COMMUNITY's capitalization ratio of 12.00 percent in our test was less than the average for all credit unions, an indication that it could have a harder time weathering financial trouble than its peers.