THE INSTITUTION'S SCORE
Capital works as a bulwark against losses and affords protection for members when a credit union is struggling financially. Therefore, when it comes to measuring an a credit union's financial stability, capital is essential. From a safety and soundness perspective, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, VIRGINIA CREDIT UNION, INC., received a score of 8 out of a possible 30 points, below the national average of 15.65.
VIRGINIA CREDIT UNION, INC., had a capitalization ratio of 8.00 percent in our test, less than the average for all credit unions, suggesting that it's less well prepared for financial trouble than its peers.