THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members during periods of economic instability for the credit union. Therefore, an institution's level of capital is a valuable measurement of its financial strength. When it comes to safety and soundness, the more capital, the better.
On our test to measure capital adequacy, TONAWANDA COMMUNITY received a score of 6 out of a possible 30 points, less than the national average of 15.65.
TONAWANDA COMMUNITY had a capitalization ratio of 6.00 percent in our test, lower than the average for all credit unions, an indication that it could be less resilient in a crisis than its peers.