THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is an important measurement of its financial fortitude. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, PERU achieved a score of 22 out of a possible 30 points, beating the national average of 15.65.
PERU had a capitalization ratio of 22.00 percent in our test, above the average for all credit unions, suggesting that it's on more solid financial footing than its peers.