Asset Quality Score
In this test, Bankrate tries to determine the effect of troubled assets, such as past-due loans, on the credit union's loan loss reserves and overall capitalization.
Having extensive holdings of these kinds of assets may eventually force a credit union to use capital to absorb losses, decreasing its cushion 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, decreasing earnings and increasing the chances of a failure in the future.
On Bankrate's test of asset quality, COMMUNITY & TEACHERS scored 40 out of a possible 40 points, better than the national average of 38.09 points.
COMMUNITY & TEACHERS's ratio of problem assets was 0.00 percent in our test, less than the national average and suggestive of greater financial strength than other credit unions.