THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is experiencing economic instability. Therefore, when it comes to measuring an an institution's financial fortitude, capital is useful. When it comes to safety and soundness, more capital is better.
On our test to measure capital adequacy, SERVICE FIRST received a score of 2 out of a possible 30 points, coming in below the national average of 15.65.
SERVICE FIRST had a capitalization ratio of 2.00 percent in our test, worse than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.