THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is experiencing economic instability. Therefore, an institution's level of capital is a useful measurement of its financial fortitude. When looking at safety and soundness, more capital is better.
On our test to measure the adequacy of a credit union's capital, RIVER CITY received a score of 4 out of a possible 30 points, lower than the national average of 15.65.
RIVER CITY appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 4.00 percent in our test, worse than the average for all credit unions.