Asset Quality Score
In this test, Bankrate tries to estimate the effect of troubled assets, such as unpaid loans, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
A credit union with lots of these types of assets could eventually be forced to use capital to absorb losses, cutting down on its buffer of equity. Many of those assets are also likely to be in non-accrual status and thus aren't earning money, diminishing earnings and increasing the chances of a future failure.
CONSOLIDATED-HUB CO fell below the national average of 38.15 on Bankrate's asset quality test, racking up 32 out of a possible 40 points .
The credit union's ratio of troubled assets was 19.00 percent in our test, greater than the national average and something to watch.