THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial stability, capital is useful. When looking at safety and soundness, the higher the capital, the better.
NORTHAMPTON V.A.F. achieved a score of 18 out of a possible 30 points on our test to measure capital adequacy, beating the national average of 15.65.
NORTHAMPTON V.A.F. appears to be on more solid financial footing than its peers, with a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions.