Asset Quality Score
Bankrate uses this test to estimate the effect of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with lots of these kinds of assets may eventually be forced to use capital to cover losses, decreasing its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, diminishing earnings and elevating the risk of a failure in the future.
On Bankrate's asset quality test, CAMBRIDGE MUNICIPAL EMPLOYEES scored 40 out of a possible 40 points, beating out the national average of 38.09 points.