Asset Quality Score
In this test, Bankrate tries to determine the effect of problem assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
Having a large number of these types of assets means a credit union could have to use capital to cover losses, decreasing its equity buffer. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, pushing down earnings and increasing the chances of a future failure.
CINCINNATI OHIO POLICE scored 40 out of a possible 40 points on Bankrate's test of asset quality, beating out the national average of 38.09.
CINCINNATI OHIO POLICE's ratio of troubled assets was 0.00 percent in our test, lower than the national average and potentially indicative of superior financial strength compared to other credit unions.