THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members during periods of financial trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial strength, capital is crucial. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, SANTA CLARA COUNTY received a score of 10 out of a possible 30 points, coming in below the national average of 15.65.
SANTA CLARA COUNTY had a capitalization ratio of 10.00 percent in our test, less than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.