THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. It follows then that when it comes to measuring an a credit union's financial stability, capital is valuable. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, SAN JUAN received a score of 12 out of a possible 30 points, failing to reach the national average of 15.65.
SAN JUAN's capitalization ratio of 12.00 percent in our test was less than the average for all credit unions, suggesting that it could be less resilient in a crisis than its peers.