THE INSTITUTION'S SCORE
Capital acts as a cushion against losses and as 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 resilience, capital is key. From a safety and soundness perspective, the higher the capital, the better.
On our test to measure capital adequacy, WILLIAMSPORT TEACHERS scored 30 out of a possible 30 points, exceeding the national average of 15.65.
WILLIAMSPORT TEACHERS's capitalization ratio of 30.00 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.