THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is important. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, OLD SOUTH received a score of 14 out of a possible 30 points, below the national average of 15.65.
OLD SOUTH appears to be weaker than its peers in this area, with a capitalization ratio of 14.00 percent in our test, less than the average for all credit unions.