THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members when a credit union is experiencing economic trouble. It follows then that when it comes to measuring an an institution's financial stability, capital is crucial. When looking at safety and soundness, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, NORTHWEST COMMUNITY received a score of 12 out of a possible 30 points, less than the national average of 15.65.
NORTHWEST COMMUNITY appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 12.00 percent in our test, worse than the average for all credit unions.