THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. Therefore, an institution's level of capital is a useful measurement of its financial resilience. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, ODESSA EMPLOYEES scored 20 out of a possible 30 points, beating the national average of 15.65.
ODESSA EMPLOYEES had a capitalization ratio of 20.00 percent in our test, higher than the average for all credit unions, an indication that it's stronger than its peers.