Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as unpaid loans, on the credit union's loan loss reserves and overall capitalization.
Having extensive holdings of these kinds of assets may eventually force a credit union to use capital to absorb losses, reducing its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, pushing down earnings and elevating the risk of a future failure.
DOR WIC did better than the national average of 38.15 on Bankrate's test of asset quality, racking up 40 out of a possible 40 points .
DOR WIC's ratio of problem assets was 1.00 percent in our test, lower than the national average and potentially indicative of superior financial strength compared to other credit unions.