THE INSTITUTION'S SCORE
Capital works as a bulwark 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 strength, capital is important. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, WESTERN DISTRICTS MEMBERS racked up 24 out of a possible 30 points, exceeding the national average of 15.65.
WESTERN DISTRICTS MEMBERS appears to be more well prepared for financial trouble than its peers, with a capitalization ratio of 24.00 percent in our test, better than the average for all credit unions.