THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and as protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is crucial. When looking at safety and soundness, the higher the capital, the better.
P.I.A.S. fell below the national average of 15.65 on our test to measure capital adequacy, receiving a score of 14 out of a possible 30 points.
P.I.A.S. had a capitalization ratio of 14.00 percent in our test, lower than the average for all credit unions, a sign that it's on less solid financial footing than its peers.