THE INSTITUTION'S SCORE
When it comes to measuring a credit union's financial stability, capital is important. It works as a bulwark against losses and provides protection for members when a credit union is experiencing financial instability. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, SOUTHWEST HERITAGE received a score of 8 out of a possible 30 points, below the national average of 15.65.
SOUTHWEST HERITAGE appears to be less well prepared for financial trouble than its peers in this area, with a capitalization ratio of 8.00 percent in our test, below the average for all credit unions.