Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as unpaid mortgages, on the credit union's capitalization and allocated loan loss reserves.
Having lots of these types of assets suggests a credit union could have to use capital to absorb losses, reducing its buffer of equity. Many of those assets are also likely to be in non-accrual status and no longer earning money, resulting in diminished earnings and potentially more risk of a failure in the future.
On Bankrate's asset quality test, AMERICA FIRST scored 36 out of a possible 40 points, less than the national average of 38.15 points.
The credit union's ratio of problem assets was 9.00 percent in our test, greater than the national average and a potential area of concern.