Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
A credit union with a large number of these kinds of assets may eventually be required to use capital to absorb losses, diminishing its cushion of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, INOVA scored 36 out of a possible 40 points, lower than the national average of 38.15 points.
The credit union's ratio of problem assets was 14.00 percent in our test, higher than the national average and something to keep an eye on.