Asset Quality Score
This test is intended to estimate how the credit union's reserves set aside to cover loan losses, as well as overall capitalization could be affected by problem assets, such as past-due loans.
Having large numbers of these kinds of assets means a credit union could eventually have to use capital to absorb losses, shrinking 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 interest for the credit union, diminishing earnings and increasing the chances of a future failure.
On Bankrate's asset quality test, BALTIMORE COUNTY EMPLOYEES scored 40 out of a possible 40 points, better than the national average of 38.09 points.
BALTIMORE COUNTY EMPLOYEES's ratio of troubled assets was 0.00 percent in our test, below the national average and suggestive of greater financial strength than other credit unions.