THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, when it comes to measuring an an institution's financial fortitude, capital is valuable. From a safety and soundness perspective, more capital is preferred.
On our test to measure the adequacy of a credit union's capital, W.O.D. received a score of 4 out of a possible 30 points, below the national average of 15.65.
W.O.D. appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 4.00 percent in our test, below the average for all credit unions.