Asset Quality Score
Bankrate uses this test to estimate the effect of troubled assets, such as unpaid loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with extensive holdings of these types of assets could eventually have to use capital to cover losses, shrinking its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in depressed earnings and potentially more risk of a failure in the future.
On Bankrate's test of asset quality, HEALTHCARE EMPLOYEES scored 32 out of a possible 40 points, below the national average of 38.15 points.
An above-average ratio of problem assets of 16.00 percent in our test was a potential cause for concern for HEALTHCARE EMPLOYEES.