THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and affords protection for members when a credit union is experiencing financial trouble. Therefore, when it comes to measuring an an institution's financial resilience, capital is important. When it comes to safety and soundness, the more capital, the better.
VIRGINIA TRAILWAYS scored below the national average of 15.65 on our test to measure the adequacy of a credit union's capital, racking up 12 out of a possible 30 points.
VIRGINIA TRAILWAYS's capitalization ratio of 12.00 percent in our test was below the average for all credit unions, a sign that it could be less resilient in a crisis than its peers.