THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members during periods of economic trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial resilience, capital is valuable. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, VALLEY achieved a score of 26 out of a possible 30 points, beating the national average of 15.65.
VALLEY's capitalization ratio of 26.00 percent in our test was above the average for all credit unions, suggesting that it's on more solid financial footing than its peers.