THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an a credit union's financial resilience, capital is essential. When it comes to safety and soundness, the more capital, the better.
REGIONAL came in below the national average of 15.65 on our test to measure capital adequacy, scoring 12 out of a possible 30 points.
REGIONAL had a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions, an indication that it could be less resilient in a crisis than its peers.