Asset Quality Score
In this test, Bankrate tries to determine the impact of troubled assets, such as past-due mortgages, on the credit union's capitalization and allocated loan loss reserves.
A credit union with large numbers of these types of assets could eventually be required to use capital to absorb losses, shrinking 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, pushing down earnings and increasing the chances of a failure in the future.
CRCH EMPLOYEES scored below the national average of 38.09 on Bankrate's test of asset quality, racking up 36 out of a possible 40 points .
Troubled assets made up 0.00 percent of CRCH EMPLOYEES's total assets in our test, lower than the national average and potentially indicative of greater financial strength than other credit unions.