THE INSTITUTION'S SCORE
Capital works as a buffer against losses and as protection for members when a credit union is experiencing financial instability. It follows then that when it comes to measuring an an institution's financial stability, capital is crucial. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, PAN AMOCO received a score of 12 out of a possible 30 points, falling short of the national average of 15.65.
PAN AMOCO appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions.