Asset Quality Score
Bankrate uses this test to estimate the effect of troubled assets, such as unpaid 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 forced to use capital to absorb losses, decreasing its buffer of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, reducing earnings and elevating the chances of a future failure.
On Bankrate's test of asset quality, UNIWYO scored 40 out of a possible 40 points, exceeding the national average of 38.15 points.
Troubled assets made up 3.00 percent of UNIWYO's total assets in our test, beneath the national average and potentially indicative of superior financial strength compared to other credit unions.