THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and provides protection for members when a credit union is struggling financially. Therefore, a credit union's level of capital is an essential measurement of its financial fortitude. When it comes to safety and soundness, the more capital, the better.
TRI STATE AREA scored 18 out of a possible 30 points on our test to measure capital adequacy, better than the national average of 15.65.
TRI STATE AREA had a capitalization ratio of 18.00 percent in our test, higher than the average for all credit unions, a sign that it's more well prepared for financial trouble than its peers.