THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is experiencing financial instability. Therefore, an institution's level of capital is a useful measurement of its financial strength. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, PUBLIC SERVICE received a score of 12 out of a possible 30 points, below the national average of 15.65.
PUBLIC SERVICE had a capitalization ratio of 12.00 percent in our test, worse than the average for all credit unions, an indication that it's weaker than its peers.