Asset Quality Score
In this test, Bankrate tries to estimate the impact of problem assets, such as past-due mortgages, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
Having lots of these types of assets means a credit union could have to use capital to absorb losses, decreasing 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, diminishing earnings and increasing the chances of a failure in the future.
On Bankrate's asset quality test, DUQ LITE EMPLOYEES scored 36 out of a possible 40 points, falling short of the national average of 38.15 points.
DUQ LITE EMPLOYEES's ratio of problem assets was 11.00 percent in our test, greater than the national average and a potential area of concern.