THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members during periods of financial instability for the credit union. Therefore, when it comes to measuring an an institution's financial fortitude, capital is essential. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, VALLEY scored 20 out of a possible 30 points, beating the national average of 15.65.
VALLEY had a capitalization ratio of 20.00 percent in our test, better than the average for all credit unions, a sign that it's on more solid financial footing than its peers.