Asset Quality Score
In this test, Bankrate tries to estimate the effect of problem assets, such as past-due mortgages, on the credit union's loan loss reserves and overall capitalization.
A credit union with a large number of these types of assets could eventually be required to use capital to cover losses, shrinking its equity buffer. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, reducing earnings and increasing the chances of a failure in the future.
OKLAHOMA CENTRAL scored 40 out of a possible 40 points on Bankrate's asset quality test, exceeding the national average of 38.15.
The credit union's ratio of troubled assets was 5.00 percent in our test, below the national average and potentially indicative of superior financial strength compared to other credit unions.