THE INSTITUTION'S SCORE
Capital acts as a buffer against losses and provides protection for members when a credit union is experiencing financial instability. It follows then that when it comes to measuring an an institution's financial stability, capital is useful. When looking at safety and soundness, the higher the capital, the better.
On our test to measure capital adequacy, W T N M ATLANTIC racked up 30 out of a possible 30 points, exceeding the national average of 15.65.
W T N M ATLANTIC's capitalization ratio of 30.00 percent in our test was above the average for all credit unions, a sign that it could have an easier time weathering financial trouble than its peers.