THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an a credit union's financial stability, capital is useful. When it comes to safety and soundness, the more capital, the better.
NORTHWEST CHRISTIAN received a score of 10 out of a possible 30 points on our test to measure capital adequacy, failing to reach the national average of 15.65.
NORTHWEST CHRISTIAN's capitalization ratio of 10.00 percent in our test was less than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.