THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members during times of economic trouble for the credit union. Therefore, when it comes to measuring an an institution's financial stability, capital is useful. When looking at safety and soundness, the more capital, the better.
On our test to measure capital adequacy, TRAILHEAD received a score of 6 out of a possible 30 points, failing to reach the national average of 15.65.
TRAILHEAD appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 6.00 percent in our test, below the average for all credit unions.