Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
Having large numbers of these types of assets means a credit union could have to use capital to cover losses, reducing its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in diminished earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, AMERICA'S CHRISTIAN scored 40 out of a possible 40 points, beating the national average of 38.15 points.
Troubled assets made up 1.00 percent of the credit union's total assets in our test, below the national average and potentially indicative of greater financial strength than other credit unions.