THE INSTITUTION'S SCORE
Capital works as a cushion against losses and provides protection for members during periods of financial trouble for the credit union. Therefore, when it comes to measuring an a credit union's financial resilience, capital is important. From a safety and soundness perspective, the more capital, the better.
On our test to measure capital adequacy, WAILUKU racked up 22 out of a possible 30 points, exceeding the national average of 15.65.
WAILUKU's capitalization ratio of 22.00 percent in our test was better than the average for all credit unions, suggesting that it's more well prepared for financial trouble than its peers.