THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords 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 resilience. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, PLAINS racked up 18 out of a possible 30 points, above the national average of 15.65.
PLAINS had a capitalization ratio of 18.00 percent in our test, better than the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.