Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
Having a large number of these kinds of assets may eventually require a credit union to use capital to absorb losses, cutting down on its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, diminishing earnings and increasing the chances of a failure in the future.
On Bankrate's asset quality test, CONNECTIONS scored 40 out of a possible 40 points, beating out the national average of 38.15 points.
Troubled assets made up 6.00 percent of CONNECTIONS's total assets in our test, lower than the national average and potentially indicative of superior financial strength compared to other credit unions.