Asset Quality Score
In this test, Bankrate tries to determine the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
Having a large number of these kinds of assets means a credit union could eventually have to use capital to cover losses, decreasing its cushion of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, resulting in diminished earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, GTE scored 36 out of a possible 40 points, less than the national average of 38.15 points.
A greater-than-average ratio of problem assets of 13.00 percent in our test was something to keep an eye on for the credit union.