THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members during times of financial instability for the credit union. It follows then that when it comes to measuring an a credit union's financial resilience, capital is essential. When looking at safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, RIVER TRACE received a score of 6 out of a possible 30 points, coming in below the national average of 15.65.
RIVER TRACE had a capitalization ratio of 6.00 percent in our test, lower than the average for all credit unions, an indication that it's on less solid financial footing than its peers.