THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and affords protection for members when a credit union is experiencing economic instability. It follows then that an institution's level of capital is a valuable measurement of its financial strength. When it comes to safety and soundness, the higher the capital, the better.
On our test to measure the adequacy of a credit union's capital, WALKER COUNTY received a score of 14 out of a possible 30 points, less than the national average of 15.65.
WALKER COUNTY appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 14.00 percent in our test, worse than the average for all credit unions.