THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an a credit union's financial resilience, capital is useful. From a safety and soundness perspective, the more capital, the better.
PENNSYLVANIA CENTRAL received a score of 10 out of a possible 30 points on our test to measure the adequacy of a credit union's capital, failing to reach the national average of 15.65.
PENNSYLVANIA CENTRAL had a capitalization ratio of 10.00 percent in our test, below the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.