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.
A credit union with large numbers of these types of assets could eventually be forced to use capital to cover losses, shrinking its cushion 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, resulting in diminished earnings and potentially more risk of a failure in the future.
EDUCATIONAL COMMUNITY came in below the national average of 38.09 on Bankrate's test of asset quality, racking up 28 out of a possible 40 points .
Troubled assets made up 0.00 percent of EDUCATIONAL COMMUNITY's total assets in our test, beneath the national average and suggestive of greater financial strength than other credit unions.