THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members during times of financial trouble for the credit union. Therefore, a credit union's level of capital is an important measurement of its financial fortitude. When it comes to safety and soundness, more capital is better.
On our test to measure capital adequacy, OUR COMMUNITY received a score of 14 out of a possible 30 points, coming in below the national average of 15.65.
OUR COMMUNITY had a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.