Asset Quality Score
Bankrate uses this test to determine the impact of troubled assets, such as unpaid loans, on the credit union's capitalization and allocated loan loss reserves.
Having large numbers of these kinds of assets suggests a credit union could have to use capital to cover losses, shrinking its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and no longer earning money, resulting in diminished earnings and potentially more risk of a future failure.
On Bankrate's test of asset quality, DERTOWN SCHOOL scored 40 out of a possible 40 points, exceeding the national average of 38.09 points.
DERTOWN SCHOOL's ratio of troubled assets was 0.00 percent in our test, beneath the national average and suggestive of greater financial strength than other credit unions.