THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is experiencing financial trouble. It follows then that when it comes to measuring an a credit union's financial fortitude, capital is useful. When it comes to safety and soundness, the more capital, the better.
OHIO'S FIRST CLASS achieved a score of 22 out of a possible 30 points on our test to measure capital adequacy, above the national average of 15.65.
OHIO'S FIRST CLASS appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 22.00 percent in our test, better than the average for all credit unions.