THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members during times of financial trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial fortitude, capital is important. When looking at safety and soundness, the higher the capital, the better.
PUBLIC SERVICE received a score of 14 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.
PUBLIC SERVICE had a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.