THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing financial trouble. Therefore, a credit union's level of capital is a useful measurement of its financial fortitude. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, PACIFIC CREST received a score of 8 out of a possible 30 points, below the national average of 15.65.
PACIFIC CREST had a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions, a sign that it could have a harder time weathering financial trouble than its peers.