THE INSTITUTION'S SCORE
Capital acts as a bulwark against losses and as protection for members when a credit union is experiencing economic trouble. Therefore, an institution's level of capital is an essential measurement of its financial strength. From a safety and soundness perspective, the more capital, the better.
On our test to measure the adequacy of a credit union's capital, WINGS FINANCIAL received a score of 14 out of a possible 30 points, lower than the national average of 15.65.
WINGS FINANCIAL's capitalization ratio of 14.00 percent in our test was lower than the average for all credit unions, an indication that it could be less resilient in a crisis than its peers.