THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is experiencing economic trouble. Therefore, a credit union's level of capital is a crucial measurement of its financial resilience. When it comes to safety and soundness, the higher the capital, the better.
SANTA BARBARA TEACHERS fell below the national average of 15.65 on our test to measure capital adequacy, achieving a score of 12 out of a possible 30 points.
SANTA BARBARA TEACHERS had a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions, an indication that it's less well prepared for financial trouble than its peers.