Asset Quality Score
This test's purpose is to estimate how the credit union's reserves set aside to cover loan losses, as well as overall capitalization could be affected by problem assets, such as past-due mortgages.
Having large numbers of these types of assets may eventually require a credit union to use capital to cover losses, cutting down on its equity cushion. Many of those assets are also likely to be in non-accrual status and thus aren't earning interest for the credit union, resulting in diminished earnings and potentially more risk of a future failure.
On Bankrate's asset quality test, DECATUR STANOLIND scored 40 out of a possible 40 points, beating out the national average of 38.15 points.
DECATUR STANOLIND's ratio of troubled assets was 2.00 percent in our test, less than the national average and suggestive of superior financial strength compared to other credit unions.