THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during periods of financial trouble for the credit union. Therefore, when it comes to measuring an an institution's financial resilience, capital is important. When it comes to safety and soundness, the more capital, the better.
OXFORD beat out the national average of 15.65 points on our test to measure capital adequacy, scoring 22 out of a possible 30 points.
OXFORD had a capitalization ratio of 22.00 percent in our test, better than the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.