Asset Quality Score
Bankrate uses this test to estimate the impact of problem assets, such as unpaid mortgages, on the credit union's loan loss reserves and overall capitalization.
A credit union with large numbers of these kinds of assets may eventually be forced to use capital to cover losses, diminishing its buffer of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in lower earnings and potentially more risk of a failure in the future.
On Bankrate's test of asset quality, HAWAII CENTRAL scored 40 out of a possible 40 points, exceeding the national average of 38.15 points.
The credit union's ratio of troubled assets was 7.00 percent in our test, the same as the national average.