Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with extensive holdings of these types of assets could eventually have to use capital to cover losses, shrinking its cushion of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, resulting in reduced earnings and potentially more risk of a future failure.
ACADEMIC EMPLOYEES fell below the national average of 38.09 on Bankrate's asset quality test, racking up 32 out of a possible 40 points .
Troubled assets made up 0.00 percent of ACADEMIC EMPLOYEES's total assets in our test, below the national average and potentially indicative of superior financial strength compared to other credit unions.