THE INSTITUTION'S SCORE
Capital works as a buffer against losses and provides protection for members when a credit union is struggling financially. It follows then that an institution's level of capital is a key measurement of its financial fortitude. When it comes to safety and soundness, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, UNIWYO received a score of 12 out of a possible 30 points, coming in below the national average of 15.65.
UNIWYO had a capitalization ratio of 12.00 percent in our test, lower than the average for all credit unions, suggesting that it could have a harder time weathering financial trouble than its peers.