Asset Quality Score
Bankrate uses this test to estimate the impact of problem assets, such as past-due loans, on the credit union's capitalization and allocated loan loss reserves.
A credit union with extensive holdings of these kinds of assets may eventually be forced to use capital to absorb losses, cutting down on 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 interest for the credit union, resulting in depressed earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, CENTRAL KANSAS scored 40 out of a possible 40 points, above the national average of 38.09 points.
Troubled assets made up 0.00 percent of CENTRAL KANSAS's total assets in our test, lower than the national average and suggestive of superior financial strength compared to other credit unions.