THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and provides protection for members during periods of financial instability for the credit union. Therefore, when it comes to measuring an a credit union's financial stability, capital is important. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, VAPR received a score of 6 out of a possible 30 points, below the national average of 15.65.
VAPR had a capitalization ratio of 6.00 percent in our test, below the average for all credit unions, suggesting that it's on less solid financial footing than its peers.