THE INSTITUTION'S SCORE
Capital works as a buffer against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an an institution's financial stability, capital is key. When looking at safety and soundness, the more capital, the better.
O'NEAL scored above the national average of 15.65 points on our test to measure capital adequacy, receiving a score of 30 out of a possible 30 points.
O'NEAL appears to be stronger than its peers, with a capitalization ratio of 30.00 percent in our test, better than the average for all credit unions.