THE INSTITUTION'S SCORE
Capital works as a cushion against losses and affords protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial stability, capital is valuable. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, PREMIER COMMUNITY received a score of 10 out of a possible 30 points, falling short of the national average of 15.65.
PREMIER COMMUNITY's capitalization ratio of 10.00 percent in our test was below the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.