THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is experiencing economic instability. It follows then that when it comes to measuring an a credit union's financial resilience, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, PACIFIC achieved a score of 20 out of a possible 30 points, above the national average of 15.65.
PACIFIC appears to be more resilient than its peers, with a capitalization ratio of 20.00 percent in our test, above the average for all credit unions.