Asset Quality Score
Bankrate uses this test to determine the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
Having lots of these kinds of assets suggests a credit union may have to use capital to cover losses, cutting down on its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in reduced earnings and potentially more risk of a failure in the future.
DELTA COMMUNITY scored 40 out of a possible 40 points on Bankrate's test of asset quality, beating the national average of 38.15.
Troubled assets made up 3.00 percent of DELTA COMMUNITY's total assets in our test, beneath the national average and potentially indicative of superior financial strength compared to other credit unions.