THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during times of economic instability for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is important. From a safety and soundness perspective, the more capital, the better.
OLD SPANISH TRAIL scored 28 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, exceeding the national average of 15.65.
OLD SPANISH TRAIL had a capitalization ratio of 28.00 percent in our test, higher than the average for all credit unions, an indication that it's stronger than its peers.