Asset Quality Score
This test is intended to try to understand how the credit union's capitalization and allocated loan loss reserves could be affected by problem assets, such as past-due loans.
A credit union with extensive holdings of these types of assets may eventually be forced to use capital to absorb losses, shrinking its equity buffer. Many of those assets are also likely to be in non-accrual status and no longer earning money, diminishing earnings and increasing the risk of a failure in the future.
On Bankrate's asset quality test, AFFINITY PLUS scored 36 out of a possible 40 points, falling short of the national average of 38.15 points.
AFFINITY PLUS's ratio of problem assets was 7.00 percent in our test, identical to the national average.