Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with large numbers of these types of assets could eventually be forced 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 interest for the credit union, diminishing earnings and increasing the chances of a future failure.
On Bankrate's test of asset quality, R.I.A. 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 9.00 percent in our test was a potential cause for concern for the credit union.