THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an a credit union's financial strength, capital is useful. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, TBA racked up 20 out of a possible 30 points, exceeding the national average of 15.65.
TBA had a capitalization ratio of 20.00 percent in our test, better than the average for all credit unions, suggesting that it could be more resilient in a crisis than its peers.