THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as protection for members when a credit union is experiencing financial instability. It follows then that when it comes to measuring an an institution's financial strength, capital is crucial. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, TUSCALOOSA COUNTY received a score of 10 out of a possible 30 points, below the national average of 15.65.
TUSCALOOSA COUNTY had a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.